Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$160,798Cash toward the purchase price.
Closing costs + prepaids$10,767Not just lender fees.
Before credits & paid funds$171,565The complete starting cash picture.
Estimated remaining funds due at closing
$171,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,798.16
Your down payment$160,798.16
Closing costs + prepaids$10,767.31
Total buyer cash needed$171,565.47
Remaining funds due$171,565.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.99
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)$286.25
Prepaid interest, first (22 days)$556.07
Fees + prepaids$10,767.31
Your down payment is the seller’s equity. You take over the $209,201 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $171,565.47 is due at closing. Uses and sources reconcile at $380,766.31 each. Not a Closing Disclosure.