Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$142,416Cash toward the purchase price.
Closing costs + prepaids$11,002Not just lender fees.
Before credits & paid funds$153,418The complete starting cash picture.
Estimated remaining funds due at closing
$153,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,415.63
Your down payment$142,415.63
Closing costs + prepaids$11,002.31
Total buyer cash needed$153,417.94
Remaining funds due$153,417.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,670.00
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)$370.50
Initial HOA (3 months)$260.01
Prepaid interest, first (27 days)$476.80
Fees + prepaids$11,002.31
Your down payment is the seller’s equity. You take over the $224,584 balance, so the rest of the $367,000 price is paid at closing. A second mortgage can cover part of it. $153,417.94 is due at closing. Uses and sources reconcile at $378,002.31 each. Not a Closing Disclosure.