Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$199,806Cash toward the purchase price.
Closing costs + prepaids$10,627Not just lender fees.
Before credits & paid funds$210,433The complete starting cash picture.
Estimated remaining funds due at closing
$210,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,806.38
Your down payment$199,806.38
Closing costs + prepaids$10,627.08
Total buyer cash needed$210,433.45
Remaining funds due$210,433.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,575.00
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)$536.75
Prepaid interest, first (24 days)$290.33
Fees + prepaids$10,627.08
Your down payment is the seller’s equity. You take over the $157,694 balance, so the rest of the $357,500 price is paid at closing. A second mortgage can cover part of it. $210,433.45 is due at closing. Uses and sources reconcile at $368,127.08 each. Not a Closing Disclosure.