Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$144,584Cash toward the purchase price.
Closing costs + prepaids$10,009Not just lender fees.
Before credits & paid funds$154,593The complete starting cash picture.
Estimated remaining funds due at closing
$154,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,584.40
Your down payment$144,584.40
Closing costs + prepaids$10,008.88
Total buyer cash needed$154,593.28
Remaining funds due$154,593.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,639.99
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)$125.25
Prepaid interest, first (1 days)$18.64
Fees + prepaids$10,008.88
Your down payment is the seller’s equity. You take over the $219,415 balance, so the rest of the $363,999 price is paid at closing. A second mortgage can cover part of it. $154,593.28 is due at closing. Uses and sources reconcile at $374,007.88 each. Not a Closing Disclosure.