Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$135,378Cash toward the purchase price.
Closing costs + prepaids$11,353Not just lender fees.
Before credits & paid funds$146,731The complete starting cash picture.
Estimated remaining funds due at closing
$146,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,378.40
Your down payment$135,378.40
Closing costs + prepaids$11,352.62
Total buyer cash needed$146,731.02
Remaining funds due$146,731.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,680.00
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)$643.00
Initial HOA (3 months)$210.00
Prepaid interest, first (30 days)$594.62
Fees + prepaids$11,352.62
Your down payment is the seller’s equity. You take over the $232,622 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $146,731.02 is due at closing. Uses and sources reconcile at $379,352.62 each. Not a Closing Disclosure.