Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$158,270Cash toward the purchase price.
Closing costs + prepaids$10,739Not just lender fees.
Before credits & paid funds$169,009The complete starting cash picture.
Estimated remaining funds due at closing
$169,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,270.16
Your down payment$158,270.16
Closing costs + prepaids$10,739.23
Total buyer cash needed$169,009.39
Remaining funds due$169,009.39
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)$526.00
Prepaid interest, first (26 days)$389.23
Fees + prepaids$10,739.23
Your down payment is the seller’s equity. You take over the $201,630 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $169,009.39 is due at closing. Uses and sources reconcile at $370,639.23 each. Not a Closing Disclosure.