Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$157,918Cash toward the purchase price.
Closing costs + prepaids$10,670Not just lender fees.
Before credits & paid funds$168,588The complete starting cash picture.
Estimated remaining funds due at closing
$168,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,918.19
Your down payment$157,918.19
Closing costs + prepaids$10,669.56
Total buyer cash needed$168,587.75
Remaining funds due$168,587.75
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)$420.50
Initial HOA (3 months)$282.00
Prepaid interest, first (2 days)$42.07
Fees + prepaids$10,669.56
Your down payment is the seller’s equity. You take over the $212,081 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $168,587.75 is due at closing. Uses and sources reconcile at $380,668.56 each. Not a Closing Disclosure.