Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$145,916Cash toward the purchase price.
Closing costs + prepaids$12,324Not just lender fees.
Before credits & paid funds$158,240The complete starting cash picture.
Estimated remaining funds due at closing
$158,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,915.76
Your down payment$145,915.76
Closing costs + prepaids$12,323.99
Total buyer cash needed$158,239.75
Remaining funds due$158,239.75
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)$400.75
Initial HOA (3 months)$1,443.00
Prepaid interest, first (28 days)$555.24
Fees + prepaids$12,323.99
Your down payment is the seller’s equity. You take over the $224,084 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $158,239.75 is due at closing. Uses and sources reconcile at $382,323.99 each. Not a Closing Disclosure.