Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$156,514Cash toward the purchase price.
Closing costs + prepaids$12,540Not just lender fees.
Before credits & paid funds$169,054The complete starting cash picture.
Estimated remaining funds due at closing
$169,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,514.04
Your down payment$156,514.04
Closing costs + prepaids$12,539.82
Total buyer cash needed$169,053.86
Remaining funds due$169,053.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,670.00
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)$1,397.00
Initial HOA (3 months)$699.00
Prepaid interest, first (31 days)$548.82
Fees + prepaids$12,539.82
Your down payment is the seller’s equity. You take over the $210,486 balance, so the rest of the $367,000 price is paid at closing. A second mortgage can cover part of it. $169,053.86 is due at closing. Uses and sources reconcile at $379,539.82 each. Not a Closing Disclosure.