Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$218,394Cash toward the purchase price.
Closing costs + prepaids$11,254Not just lender fees.
Before credits & paid funds$229,648The complete starting cash picture.
Estimated remaining funds due at closing
$229,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,394.39
Your down payment$218,394.39
Closing costs + prepaids$11,253.55
Total buyer cash needed$229,647.94
Remaining funds due$229,647.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$571.00
Initial HOA (3 months)$345.00
Prepaid interest, first (27 days)$413.55
Fees + prepaids$11,253.55
Your down payment is the seller’s equity. You take over the $151,506 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $229,647.94 is due at closing. Uses and sources reconcile at $381,153.55 each. Not a Closing Disclosure.