Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$185,863Cash toward the purchase price.
Closing costs + prepaids$11,424Not just lender fees.
Before credits & paid funds$197,286The complete starting cash picture.
Estimated remaining funds due at closing
$197,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,862.51
Your down payment$185,862.51
Closing costs + prepaids$11,423.62
Total buyer cash needed$197,286.13
Remaining funds due$197,286.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$890.50
Prepaid interest, first (22 days)$709.12
Fees + prepaids$11,423.62
Your down payment is the seller’s equity. You take over the $174,037 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $197,286.13 is due at closing. Uses and sources reconcile at $371,323.62 each. Not a Closing Disclosure.