Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$193,704Cash toward the purchase price.
Closing costs + prepaids$10,729Not just lender fees.
Before credits & paid funds$204,433The complete starting cash picture.
Estimated remaining funds due at closing
$204,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,703.79
Your down payment$193,703.79
Closing costs + prepaids$10,729.41
Total buyer cash needed$204,433.21
Remaining funds due$204,433.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$481.75
Prepaid interest, first (28 days)$472.66
Fees + prepaids$10,729.41
Your down payment is the seller’s equity. You take over the $161,296 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $204,433.21 is due at closing. Uses and sources reconcile at $365,729.41 each. Not a Closing Disclosure.