Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$131,792Cash toward the purchase price.
Closing costs + prepaids$11,110Not just lender fees.
Before credits & paid funds$142,902The complete starting cash picture.
Estimated remaining funds due at closing
$142,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,791.91
Your down payment$131,791.91
Closing costs + prepaids$11,109.65
Total buyer cash needed$142,901.56
Remaining funds due$142,901.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.99
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)$492.25
Initial HOA (3 months)$132.00
Prepaid interest, first (31 days)$560.41
Fees + prepaids$11,109.65
Your down payment is the seller’s equity. You take over the $238,207 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $142,901.56 is due at closing. Uses and sources reconcile at $381,108.65 each. Not a Closing Disclosure.