Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$158,888Cash toward the purchase price.
Closing costs + prepaids$11,006Not just lender fees.
Before credits & paid funds$169,894The complete starting cash picture.
Estimated remaining funds due at closing
$169,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,887.64
Your down payment$158,887.64
Closing costs + prepaids$11,006.24
Total buyer cash needed$169,893.88
Remaining funds due$169,893.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,595.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.75
Prepaid interest, first (30 days)$448.49
Fees + prepaids$11,006.24
Your down payment is the seller’s equity. You take over the $200,612 balance, so the rest of the $359,500 price is paid at closing. A second mortgage can cover part of it. $169,893.88 is due at closing. Uses and sources reconcile at $370,506.24 each. Not a Closing Disclosure.