Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$163,469Cash toward the purchase price.
Closing costs + prepaids$11,298Not just lender fees.
Before credits & paid funds$174,767The complete starting cash picture.
Estimated remaining funds due at closing
$174,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,469.04
Your down payment$163,469.04
Closing costs + prepaids$11,298.36
Total buyer cash needed$174,767.40
Remaining funds due$174,767.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$567.50
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$505.86
Fees + prepaids$11,298.36
Your down payment is the seller’s equity. You take over the $206,531 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $174,767.40 is due at closing. Uses and sources reconcile at $381,298.36 each. Not a Closing Disclosure.