Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$133,473Cash toward the purchase price.
Closing costs + prepaids$12,160Not just lender fees.
Before credits & paid funds$145,634The complete starting cash picture.
Estimated remaining funds due at closing
$145,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,473.39
Your down payment$133,473.39
Closing costs + prepaids$12,160.15
Total buyer cash needed$145,633.53
Remaining funds due$145,633.53
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)$1,612.00
Prepaid interest, first (22 days)$633.15
Fees + prepaids$12,160.15
Your down payment is the seller’s equity. You take over the $235,527 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $145,633.53 is due at closing. Uses and sources reconcile at $381,160.15 each. Not a Closing Disclosure.