Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$185,947Cash toward the purchase price.
Closing costs + prepaids$10,707Not just lender fees.
Before credits & paid funds$196,654The complete starting cash picture.
Estimated remaining funds due at closing
$196,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,946.78
Your down payment$185,946.78
Closing costs + prepaids$10,707.20
Total buyer cash needed$196,653.98
Remaining funds due$196,653.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$263.25
Prepaid interest, first (31 days)$569.95
Fees + prepaids$10,707.20
Your down payment is the seller’s equity. You take over the $178,953 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $196,653.98 is due at closing. Uses and sources reconcile at $375,607.20 each. Not a Closing Disclosure.