Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$140,995Cash toward the purchase price.
Closing costs + prepaids$10,721Not just lender fees.
Before credits & paid funds$151,716The complete starting cash picture.
Estimated remaining funds due at closing
$151,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,994.93
Your down payment$140,994.93
Closing costs + prepaids$10,721.44
Total buyer cash needed$151,716.37
Remaining funds due$151,716.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.99
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)$456.25
Prepaid interest, first (17 days)$390.20
Fees + prepaids$10,721.44
Your down payment is the seller’s equity. You take over the $224,004 balance, so the rest of the $364,999 price is paid at closing. A second mortgage can cover part of it. $151,716.37 is due at closing. Uses and sources reconcile at $375,720.44 each. Not a Closing Disclosure.