Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$195,350Cash toward the purchase price.
Closing costs + prepaids$10,455Not just lender fees.
Before credits & paid funds$205,804The complete starting cash picture.
Estimated remaining funds due at closing
$205,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,349.50
Your down payment$195,349.50
Closing costs + prepaids$10,454.81
Total buyer cash needed$205,804.32
Remaining funds due$205,804.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$432.00
Prepaid interest, first (10 days)$198.81
Fees + prepaids$10,454.81
Your down payment is the seller’s equity. You take over the $164,550 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $205,804.32 is due at closing. Uses and sources reconcile at $370,354.81 each. Not a Closing Disclosure.