Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$208,534Cash toward the purchase price.
Closing costs + prepaids$11,103Not just lender fees.
Before credits & paid funds$219,637The complete starting cash picture.
Estimated remaining funds due at closing
$219,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,534.12
Your down payment$208,534.12
Closing costs + prepaids$11,103.29
Total buyer cash needed$219,637.41
Remaining funds due$219,637.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,559.00
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)$567.25
Initial HOA (3 months)$425.01
Prepaid interest, first (25 days)$327.03
Fees + prepaids$11,103.29
Your down payment is the seller’s equity. You take over the $147,366 balance, so the rest of the $355,900 price is paid at closing. A second mortgage can cover part of it. $219,637.41 is due at closing. Uses and sources reconcile at $367,003.29 each. Not a Closing Disclosure.