Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$201,874Cash toward the purchase price.
Closing costs + prepaids$10,831Not just lender fees.
Before credits & paid funds$212,705The complete starting cash picture.
Estimated remaining funds due at closing
$212,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,874.12
Your down payment$201,874.12
Closing costs + prepaids$10,830.68
Total buyer cash needed$212,704.80
Remaining funds due$212,704.80
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)$504.50
Prepaid interest, first (23 days)$361.18
Fees + prepaids$10,830.68
Your down payment is the seller’s equity. You take over the $172,126 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $212,704.80 is due at closing. Uses and sources reconcile at $384,830.68 each. Not a Closing Disclosure.