Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$167,937Cash toward the purchase price.
Closing costs + prepaids$10,757Not just lender fees.
Before credits & paid funds$178,694The complete starting cash picture.
Estimated remaining funds due at closing
$178,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,936.89
Your down payment$167,936.89
Closing costs + prepaids$10,757.50
Total buyer cash needed$178,694.39
Remaining funds due$178,694.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,777.77
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)$453.25
Prepaid interest, first (12 days)$301.48
Fees + prepaids$10,757.50
Your down payment is the seller’s equity. You take over the $209,840 balance, so the rest of the $377,777 price is paid at closing. A second mortgage can cover part of it. $178,694.39 is due at closing. Uses and sources reconcile at $388,534.50 each. Not a Closing Disclosure.