Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$201,302Cash toward the purchase price.
Closing costs + prepaids$11,229Not just lender fees.
Before credits & paid funds$212,531The complete starting cash picture.
Estimated remaining funds due at closing
$212,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,302.37
Your down payment$201,302.37
Closing costs + prepaids$11,228.90
Total buyer cash needed$212,531.26
Remaining funds due$212,531.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,589.00
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)$710.25
Initial HOA (3 months)$249.99
Prepaid interest, first (27 days)$454.66
Fees + prepaids$11,228.90
Your down payment is the seller’s equity. You take over the $157,598 balance, so the rest of the $358,900 price is paid at closing. A second mortgage can cover part of it. $212,531.26 is due at closing. Uses and sources reconcile at $370,128.90 each. Not a Closing Disclosure.