Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$223,055Cash toward the purchase price.
Closing costs + prepaids$10,777Not just lender fees.
Before credits & paid funds$233,832The complete starting cash picture.
Estimated remaining funds due at closing
$233,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,055.08
Your down payment$223,055.08
Closing costs + prepaids$10,777.19
Total buyer cash needed$233,832.27
Remaining funds due$233,832.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,676.30
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)$448.50
Prepaid interest, first (26 days)$427.39
Fees + prepaids$10,777.19
Your down payment is the seller’s equity. You take over the $144,575 balance, so the rest of the $367,630 price is paid at closing. A second mortgage can cover part of it. $233,832.27 is due at closing. Uses and sources reconcile at $378,407.19 each. Not a Closing Disclosure.