Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$194,115Cash toward the purchase price.
Closing costs + prepaids$10,733Not just lender fees.
Before credits & paid funds$204,848The complete starting cash picture.
Estimated remaining funds due at closing
$204,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,114.93
Your down payment$194,114.93
Closing costs + prepaids$10,733.24
Total buyer cash needed$204,848.17
Remaining funds due$204,848.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,570.00
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)$287.50
Prepaid interest, first (23 days)$650.74
Fees + prepaids$10,733.24
Your down payment is the seller’s equity. You take over the $162,885 balance, so the rest of the $357,000 price is paid at closing. A second mortgage can cover part of it. $204,848.17 is due at closing. Uses and sources reconcile at $367,733.24 each. Not a Closing Disclosure.