Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$209,826Cash toward the purchase price.
Closing costs + prepaids$10,359Not just lender fees.
Before credits & paid funds$220,185The complete starting cash picture.
Estimated remaining funds due at closing
$220,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,826.30
Your down payment$209,826.30
Closing costs + prepaids$10,358.50
Total buyer cash needed$220,184.80
Remaining funds due$220,184.80
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)$426.00
Prepaid interest, first (10 days)$157.50
Fees + prepaids$10,358.50
Your down payment is the seller’s equity. You take over the $145,174 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $220,184.80 is due at closing. Uses and sources reconcile at $365,358.50 each. Not a Closing Disclosure.