Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$158,774Cash toward the purchase price.
Closing costs + prepaids$11,550Not just lender fees.
Before credits & paid funds$170,324The complete starting cash picture.
Estimated remaining funds due at closing
$170,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,774.07
Your down payment$158,774.07
Closing costs + prepaids$11,549.54
Total buyer cash needed$170,323.60
Remaining funds due$170,323.60
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)$1,124.00
Prepaid interest, first (24 days)$550.54
Fees + prepaids$11,549.54
Your down payment is the seller’s equity. You take over the $206,226 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $170,323.60 is due at closing. Uses and sources reconcile at $376,549.54 each. Not a Closing Disclosure.