Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$149,954Cash toward the purchase price.
Closing costs + prepaids$10,282Not just lender fees.
Before credits & paid funds$160,237The complete starting cash picture.
Estimated remaining funds due at closing
$160,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,954.40
Your down payment$149,954.40
Closing costs + prepaids$10,282.39
Total buyer cash needed$160,236.79
Remaining funds due$160,236.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.99
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)$170.00
Prepaid interest, first (22 days)$337.40
Fees + prepaids$10,282.39
Your down payment is the seller’s equity. You take over the $205,045 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $160,236.79 is due at closing. Uses and sources reconcile at $365,281.39 each. Not a Closing Disclosure.