Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$137,381Cash toward the purchase price.
Closing costs + prepaids$11,545Not just lender fees.
Before credits & paid funds$148,927The complete starting cash picture.
Estimated remaining funds due at closing
$148,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,381.34
Your down payment$137,381.34
Closing costs + prepaids$11,545.37
Total buyer cash needed$148,926.70
Remaining funds due$148,926.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$1,506.25
Initial HOA (3 months)$180.00
Prepaid interest, first (2 days)$35.12
Fees + prepaids$11,545.37
Your down payment is the seller’s equity. You take over the $222,519 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $148,926.70 is due at closing. Uses and sources reconcile at $371,445.37 each. Not a Closing Disclosure.