Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$130,125Cash toward the purchase price.
Closing costs + prepaids$12,348Not just lender fees.
Before credits & paid funds$142,473The complete starting cash picture.
Estimated remaining funds due at closing
$142,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,125.18
Your down payment$130,125.18
Closing costs + prepaids$12,348.22
Total buyer cash needed$142,473.40
Remaining funds due$142,473.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,697.50
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)$854.00
Initial HOA (3 months)$1,140.00
Prepaid interest, first (24 days)$431.72
Fees + prepaids$12,348.22
Your down payment is the seller’s equity. You take over the $239,625 balance, so the rest of the $369,750 price is paid at closing. A second mortgage can cover part of it. $142,473.40 is due at closing. Uses and sources reconcile at $382,098.22 each. Not a Closing Disclosure.