Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$158,888Cash toward the purchase price.
Closing costs + prepaids$10,887Not just lender fees.
Before credits & paid funds$169,774The complete starting cash picture.
Estimated remaining funds due at closing
$169,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,887.64
Your down payment$158,887.64
Closing costs + prepaids$10,886.64
Total buyer cash needed$169,774.28
Remaining funds due$169,774.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,595.00
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)$737.75
Prepaid interest, first (22 days)$328.89
Fees + prepaids$10,886.64
Your down payment is the seller’s equity. You take over the $200,612 balance, so the rest of the $359,500 price is paid at closing. A second mortgage can cover part of it. $169,774.28 is due at closing. Uses and sources reconcile at $370,386.64 each. Not a Closing Disclosure.