Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$229,056Cash toward the purchase price.
Closing costs + prepaids$10,489Not just lender fees.
Before credits & paid funds$239,545The complete starting cash picture.
Estimated remaining funds due at closing
$239,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,056.47
Your down payment$229,056.47
Closing costs + prepaids$10,488.71
Total buyer cash needed$239,545.18
Remaining funds due$239,545.18
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)$180.50
Initial HOA (3 months)$12.51
Prepaid interest, first (25 days)$370.70
Fees + prepaids$10,488.71
Your down payment is the seller’s equity. You take over the $140,944 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $239,545.18 is due at closing. Uses and sources reconcile at $380,488.71 each. Not a Closing Disclosure.