Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$198,725Cash toward the purchase price.
Closing costs + prepaids$10,812Not just lender fees.
Before credits & paid funds$209,537The complete starting cash picture.
Estimated remaining funds due at closing
$209,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,724.85
Your down payment$198,724.85
Closing costs + prepaids$10,811.96
Total buyer cash needed$209,536.81
Remaining funds due$209,536.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$260.00
Prepaid interest, first (31 days)$626.96
Fees + prepaids$10,811.96
Your down payment is the seller’s equity. You take over the $171,275 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $209,536.81 is due at closing. Uses and sources reconcile at $380,811.96 each. Not a Closing Disclosure.