Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$131,381Cash toward the purchase price.
Closing costs + prepaids$12,920Not just lender fees.
Before credits & paid funds$144,300The complete starting cash picture.
Estimated remaining funds due at closing
$144,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,380.59
Your down payment$131,380.59
Closing costs + prepaids$12,919.59
Total buyer cash needed$144,300.18
Remaining funds due$144,300.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$860.50
Initial HOA (3 months)$1,545.00
Prepaid interest, first (30 days)$590.09
Fees + prepaids$12,919.59
Your down payment is the seller’s equity. You take over the $238,519 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $144,300.18 is due at closing. Uses and sources reconcile at $382,819.59 each. Not a Closing Disclosure.