Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,870Cash toward the purchase price.
Closing costs + prepaids$11,369Not just lender fees.
Before credits & paid funds$160,239The complete starting cash picture.
Estimated remaining funds due at closing
$160,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,869.53
Your down payment$148,869.53
Closing costs + prepaids$11,369.19
Total buyer cash needed$160,238.72
Remaining funds due$160,238.72
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)$879.50
Prepaid interest, first (31 days)$594.69
Fees + prepaids$11,369.19
Your down payment is the seller’s equity. You take over the $218,130 balance, so the rest of the $367,000 price is paid at closing. A second mortgage can cover part of it. $160,238.72 is due at closing. Uses and sources reconcile at $378,369.19 each. Not a Closing Disclosure.