Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$199,639Cash toward the purchase price.
Closing costs + prepaids$10,393Not just lender fees.
Before credits & paid funds$210,031The complete starting cash picture.
Estimated remaining funds due at closing
$210,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,638.61
Your down payment$199,638.61
Closing costs + prepaids$10,392.68
Total buyer cash needed$210,031.29
Remaining funds due$210,031.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$295.50
Prepaid interest, first (23 days)$282.18
Fees + prepaids$10,392.68
Your down payment is the seller’s equity. You take over the $159,361 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $210,031.29 is due at closing. Uses and sources reconcile at $369,392.68 each. Not a Closing Disclosure.