Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$142,804Cash toward the purchase price.
Closing costs + prepaids$10,463Not just lender fees.
Before credits & paid funds$153,267The complete starting cash picture.
Estimated remaining funds due at closing
$153,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,803.81
Your down payment$142,803.81
Closing costs + prepaids$10,463.29
Total buyer cash needed$153,267.10
Remaining funds due$153,267.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,539.00
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)$442.50
Prepaid interest, first (15 days)$256.79
Fees + prepaids$10,463.29
Your down payment is the seller’s equity. You take over the $211,096 balance, so the rest of the $353,900 price is paid at closing. A second mortgage can cover part of it. $153,267.10 is due at closing. Uses and sources reconcile at $364,363.29 each. Not a Closing Disclosure.