Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$210,150Cash toward the purchase price.
Closing costs + prepaids$10,229Not just lender fees.
Before credits & paid funds$220,379The complete starting cash picture.
Estimated remaining funds due at closing
$220,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,149.55
Your down payment$210,149.55
Closing costs + prepaids$10,229.32
Total buyer cash needed$220,378.87
Remaining funds due$220,378.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$383.00
Prepaid interest, first (2 days)$22.32
Fees + prepaids$10,229.32
Your down payment is the seller’s equity. You take over the $149,750 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $220,378.87 is due at closing. Uses and sources reconcile at $370,129.32 each. Not a Closing Disclosure.