Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$165,210Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$175,774The complete starting cash picture.
Estimated remaining funds due at closing
$175,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,209.56
Your down payment$165,209.56
Closing costs + prepaids$10,564.94
Total buyer cash needed$175,774.49
Remaining funds due$175,774.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$277.25
Prepaid interest, first (25 days)$372.69
Fees + prepaids$10,564.94
Your down payment is the seller’s equity. You take over the $203,790 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $175,774.49 is due at closing. Uses and sources reconcile at $379,564.94 each. Not a Closing Disclosure.