Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$147,703Cash toward the purchase price.
Closing costs + prepaids$11,477Not just lender fees.
Before credits & paid funds$159,180The complete starting cash picture.
Estimated remaining funds due at closing
$159,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,703.00
Your down payment$147,703.00
Closing costs + prepaids$11,477.02
Total buyer cash needed$159,180.02
Remaining funds due$159,180.02
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)$544.00
Initial HOA (3 months)$990.00
Prepaid interest, first (1 days)$18.03
Fees + prepaids$11,477.02
Your down payment is the seller’s equity. You take over the $222,296 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $159,180.02 is due at closing. Uses and sources reconcile at $381,476.02 each. Not a Closing Disclosure.