Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$139,191Cash toward the purchase price.
Closing costs + prepaids$12,477Not just lender fees.
Before credits & paid funds$151,668The complete starting cash picture.
Estimated remaining funds due at closing
$151,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,191.31
Your down payment$139,191.31
Closing costs + prepaids$12,477.05
Total buyer cash needed$151,668.36
Remaining funds due$151,668.36
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)$1,905.25
Initial HOA (3 months)$234.00
Prepaid interest, first (24 days)$412.80
Fees + prepaids$12,477.05
Your down payment is the seller’s equity. You take over the $230,809 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $151,668.36 is due at closing. Uses and sources reconcile at $382,477.05 each. Not a Closing Disclosure.