Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$194,991Cash toward the purchase price.
Closing costs + prepaids$10,079Not just lender fees.
Before credits & paid funds$205,070The complete starting cash picture.
Estimated remaining funds due at closing
$205,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,991.41
Your down payment$194,991.41
Closing costs + prepaids$10,078.92
Total buyer cash needed$205,070.33
Remaining funds due$205,070.33
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 (1 days)$19.92
Fees + prepaids$10,078.92
Your down payment is the seller’s equity. You take over the $164,909 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $205,070.33 is due at closing. Uses and sources reconcile at $369,978.92 each. Not a Closing Disclosure.