Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$155,307Cash toward the purchase price.
Closing costs + prepaids$10,802Not just lender fees.
Before credits & paid funds$166,109The complete starting cash picture.
Estimated remaining funds due at closing
$166,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,306.72
Your down payment$155,306.72
Closing costs + prepaids$10,801.79
Total buyer cash needed$166,108.51
Remaining funds due$166,108.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$560.00
Prepaid interest, first (27 days)$466.79
Fees + prepaids$10,801.79
Your down payment is the seller’s equity. You take over the $199,693 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $166,108.51 is due at closing. Uses and sources reconcile at $365,801.79 each. Not a Closing Disclosure.