Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$186,565Cash toward the purchase price.
Closing costs + prepaids$10,477Not just lender fees.
Before credits & paid funds$197,043The complete starting cash picture.
Estimated remaining funds due at closing
$197,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,565.17
Your down payment$186,565.17
Closing costs + prepaids$10,477.34
Total buyer cash needed$197,042.50
Remaining funds due$197,042.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$283.50
Prepaid interest, first (27 days)$378.84
Fees + prepaids$10,477.34
Your down payment is the seller’s equity. You take over the $172,435 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $197,042.50 is due at closing. Uses and sources reconcile at $369,477.34 each. Not a Closing Disclosure.