Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$153,959Cash toward the purchase price.
Closing costs + prepaids$11,320Not just lender fees.
Before credits & paid funds$165,279The complete starting cash picture.
Estimated remaining funds due at closing
$165,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,958.58
Your down payment$153,958.58
Closing costs + prepaids$11,320.37
Total buyer cash needed$165,278.95
Remaining funds due$165,278.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$609.75
Prepaid interest, first (24 days)$786.62
Fees + prepaids$11,320.37
Your down payment is the seller’s equity. You take over the $215,941 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $165,278.95 is due at closing. Uses and sources reconcile at $381,220.37 each. Not a Closing Disclosure.