Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,060Cash toward the purchase price.
Closing costs + prepaids$10,567Not just lender fees.
Before credits & paid funds$155,627The complete starting cash picture.
Estimated remaining funds due at closing
$155,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,060.35
Your down payment$145,060.35
Closing costs + prepaids$10,566.68
Total buyer cash needed$155,627.03
Remaining funds due$155,627.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,639.99
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)$125.25
Prepaid interest, first (31 days)$576.44
Fees + prepaids$10,566.68
Your down payment is the seller’s equity. You take over the $218,939 balance, so the rest of the $363,999 price is paid at closing. A second mortgage can cover part of it. $155,627.03 is due at closing. Uses and sources reconcile at $374,565.68 each. Not a Closing Disclosure.