Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$198,349Cash toward the purchase price.
Closing costs + prepaids$10,205Not just lender fees.
Before credits & paid funds$208,555The complete starting cash picture.
Estimated remaining funds due at closing
$208,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,349.42
Your down payment$198,349.42
Closing costs + prepaids$10,205.27
Total buyer cash needed$208,554.69
Remaining funds due$208,554.69
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 (1 days)$20.27
Fees + prepaids$10,205.27
Your down payment is the seller’s equity. You take over the $171,651 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $208,554.69 is due at closing. Uses and sources reconcile at $380,205.27 each. Not a Closing Disclosure.