Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$204,796Cash toward the purchase price.
Closing costs + prepaids$10,640Not just lender fees.
Before credits & paid funds$215,437The complete starting cash picture.
Estimated remaining funds due at closing
$215,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,796.33
Your down payment$204,796.33
Closing costs + prepaids$10,640.33
Total buyer cash needed$215,436.65
Remaining funds due$215,436.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$237.25
Prepaid interest, first (27 days)$438.08
Fees + prepaids$10,640.33
Your down payment is the seller’s equity. You take over the $169,204 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $215,436.65 is due at closing. Uses and sources reconcile at $384,640.33 each. Not a Closing Disclosure.