Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$146,242Cash toward the purchase price.
Closing costs + prepaids$11,116Not just lender fees.
Before credits & paid funds$157,358The complete starting cash picture.
Estimated remaining funds due at closing
$157,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,242.17
Your down payment$146,242.17
Closing costs + prepaids$11,116.05
Total buyer cash needed$157,358.21
Remaining funds due$157,358.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$408.25
Initial HOA (3 months)$141.00
Prepaid interest, first (30 days)$651.80
Fees + prepaids$11,116.05
Your down payment is the seller’s equity. You take over the $222,758 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $157,358.21 is due at closing. Uses and sources reconcile at $380,116.05 each. Not a Closing Disclosure.