Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$217,493Cash toward the purchase price.
Closing costs + prepaids$13,008Not just lender fees.
Before credits & paid funds$230,501The complete starting cash picture.
Estimated remaining funds due at closing
$230,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,492.66
Your down payment$217,492.66
Closing costs + prepaids$13,007.97
Total buyer cash needed$230,500.63
Remaining funds due$230,500.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$922.50
Initial HOA (3 months)$1,800.00
Prepaid interest, first (25 days)$370.47
Fees + prepaids$13,007.97
Your down payment is the seller’s equity. You take over the $151,507 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $230,500.63 is due at closing. Uses and sources reconcile at $382,007.97 each. Not a Closing Disclosure.