Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$206,491Cash toward the purchase price.
Closing costs + prepaids$11,046Not just lender fees.
Before credits & paid funds$217,537The complete starting cash picture.
Estimated remaining funds due at closing
$217,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,491.21
Your down payment$206,491.21
Closing costs + prepaids$11,045.62
Total buyer cash needed$217,536.83
Remaining funds due$217,536.83
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)$750.25
Prepaid interest, first (22 days)$420.37
Fees + prepaids$11,045.62
Your down payment is the seller’s equity. You take over the $158,509 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $217,536.83 is due at closing. Uses and sources reconcile at $376,045.62 each. Not a Closing Disclosure.