Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,522Cash toward the purchase price.
Closing costs + prepaids$10,910Not just lender fees.
Before credits & paid funds$134,432The complete starting cash picture.
Estimated remaining funds due at closing
$134,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,522.01
Your down payment$123,522.01
Closing costs + prepaids$10,910.36
Total buyer cash needed$134,432.36
Remaining funds due$134,432.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,660.00
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)$488.25
Initial HOA (3 months)$92.01
Prepaid interest, first (25 days)$445.10
Fees + prepaids$10,910.36
Your down payment is the seller’s equity. You take over the $242,478 balance, so the rest of the $366,000 price is paid at closing. A second mortgage can cover part of it. $134,432.36 is due at closing. Uses and sources reconcile at $376,910.36 each. Not a Closing Disclosure.