Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$202,296Cash toward the purchase price.
Closing costs + prepaids$10,552Not just lender fees.
Before credits & paid funds$212,848The complete starting cash picture.
Estimated remaining funds due at closing
$212,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,295.95
Your down payment$202,295.95
Closing costs + prepaids$10,552.01
Total buyer cash needed$212,847.96
Remaining funds due$212,847.96
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)$234.00
Initial HOA (3 months)$144.99
Prepaid interest, first (31 days)$358.02
Fees + prepaids$10,552.01
Your down payment is the seller’s equity. You take over the $156,704 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $212,847.96 is due at closing. Uses and sources reconcile at $369,552.01 each. Not a Closing Disclosure.