Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$195,350Cash toward the purchase price.
Closing costs + prepaids$10,596Not just lender fees.
Before credits & paid funds$205,945The complete starting cash picture.
Estimated remaining funds due at closing
$205,945No 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$10,595.80
Total buyer cash needed$205,945.30
Remaining funds due$205,945.30
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)$235.00
Prepaid interest, first (27 days)$536.80
Fees + prepaids$10,595.80
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. $205,945.30 is due at closing. Uses and sources reconcile at $370,495.80 each. Not a Closing Disclosure.