Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$198,448Cash toward the purchase price.
Closing costs + prepaids$10,916Not just lender fees.
Before credits & paid funds$209,364The complete starting cash picture.
Estimated remaining funds due at closing
$209,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,447.91
Your down payment$198,447.91
Closing costs + prepaids$10,916.38
Total buyer cash needed$209,364.29
Remaining funds due$209,364.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$655.75
Prepaid interest, first (27 days)$385.63
Fees + prepaids$10,916.38
Your down payment is the seller’s equity. You take over the $166,552 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $209,364.29 is due at closing. Uses and sources reconcile at $375,916.38 each. Not a Closing Disclosure.