Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$148,400Cash toward the purchase price.
Closing costs + prepaids$11,057Not just lender fees.
Before credits & paid funds$159,458The complete starting cash picture.
Estimated remaining funds due at closing
$159,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,400.27
Your down payment$148,400.27
Closing costs + prepaids$11,057.48
Total buyer cash needed$159,457.75
Remaining funds due$159,457.75
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)$300.00
Initial HOA (3 months)$246.00
Prepaid interest, first (28 days)$586.48
Fees + prepaids$11,057.48
Your down payment is the seller’s equity. You take over the $221,600 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $159,457.75 is due at closing. Uses and sources reconcile at $381,057.48 each. Not a Closing Disclosure.