Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$204,983Cash toward the purchase price.
Closing costs + prepaids$10,515Not just lender fees.
Before credits & paid funds$215,498The complete starting cash picture.
Estimated remaining funds due at closing
$215,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,982.82
Your down payment$204,982.82
Closing costs + prepaids$10,515.34
Total buyer cash needed$215,498.16
Remaining funds due$215,498.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,595.00
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)$367.00
Prepaid interest, first (28 days)$328.34
Fees + prepaids$10,515.34
Your down payment is the seller’s equity. You take over the $154,517 balance, so the rest of the $359,500 price is paid at closing. A second mortgage can cover part of it. $215,498.16 is due at closing. Uses and sources reconcile at $370,015.34 each. Not a Closing Disclosure.