Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$149,892Cash toward the purchase price.
Closing costs + prepaids$12,552Not just lender fees.
Before credits & paid funds$162,444The complete starting cash picture.
Estimated remaining funds due at closing
$162,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,892.28
Your down payment$149,892.28
Closing costs + prepaids$12,551.68
Total buyer cash needed$162,443.96
Remaining funds due$162,443.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$1,769.75
Initial HOA (3 months)$876.00
Prepaid interest, first (2 days)$31.93
Fees + prepaids$12,551.68
Your down payment is the seller’s equity. You take over the $215,008 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $162,443.96 is due at closing. Uses and sources reconcile at $377,451.68 each. Not a Closing Disclosure.