Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$213,118Cash toward the purchase price.
Closing costs + prepaids$10,504Not just lender fees.
Before credits & paid funds$223,622The complete starting cash picture.
Estimated remaining funds due at closing
$223,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,117.91
Your down payment$213,117.91
Closing costs + prepaids$10,503.62
Total buyer cash needed$223,621.53
Remaining funds due$223,621.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,698.00
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)$287.00
Prepaid interest, first (19 days)$293.62
Fees + prepaids$10,503.62
Your down payment is the seller’s equity. You take over the $156,682 balance, so the rest of the $369,800 price is paid at closing. A second mortgage can cover part of it. $223,621.53 is due at closing. Uses and sources reconcile at $380,303.62 each. Not a Closing Disclosure.