Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$210,953Cash toward the purchase price.
Closing costs + prepaids$11,191Not just lender fees.
Before credits & paid funds$222,144The complete starting cash picture.
Estimated remaining funds due at closing
$222,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,953.30
Your down payment$210,953.30
Closing costs + prepaids$11,190.97
Total buyer cash needed$222,144.27
Remaining funds due$222,144.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$1,199.00
Prepaid interest, first (1 days)$17.97
Fees + prepaids$11,190.97
Your down payment is the seller’s equity. You take over the $163,947 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $222,144.27 is due at closing. Uses and sources reconcile at $386,090.97 each. Not a Closing Disclosure.