Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$145,060Cash toward the purchase price.
Closing costs + prepaids$10,511Not just lender fees.
Before credits & paid funds$155,571The complete starting cash picture.
Estimated remaining funds due at closing
$155,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,060.35
Your down payment$145,060.35
Closing costs + prepaids$10,510.89
Total buyer cash needed$155,571.25
Remaining funds due$155,571.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,639.99
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)$125.25
Prepaid interest, first (28 days)$520.65
Fees + prepaids$10,510.89
Your down payment is the seller’s equity. You take over the $218,939 balance, so the rest of the $363,999 price is paid at closing. A second mortgage can cover part of it. $155,571.25 is due at closing. Uses and sources reconcile at $374,509.89 each. Not a Closing Disclosure.