Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$209,710Cash toward the purchase price.
Closing costs + prepaids$10,797Not just lender fees.
Before credits & paid funds$220,507The complete starting cash picture.
Estimated remaining funds due at closing
$220,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,709.92
Your down payment$209,709.92
Closing costs + prepaids$10,797.02
Total buyer cash needed$220,506.94
Remaining funds due$220,506.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$603.50
Prepaid interest, first (25 days)$368.52
Fees + prepaids$10,797.02
Your down payment is the seller’s equity. You take over the $150,290 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $220,506.94 is due at closing. Uses and sources reconcile at $370,797.02 each. Not a Closing Disclosure.