Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$146,242Cash toward the purchase price.
Closing costs + prepaids$10,942Not just lender fees.
Before credits & paid funds$157,184The complete starting cash picture.
Estimated remaining funds due at closing
$157,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,242.17
Your down payment$146,242.17
Closing costs + prepaids$10,942.23
Total buyer cash needed$157,184.40
Remaining funds due$157,184.40
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)$408.25
Initial HOA (3 months)$141.00
Prepaid interest, first (22 days)$477.98
Fees + prepaids$10,942.23
Your down payment is the seller’s equity. You take over the $222,758 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $157,184.40 is due at closing. Uses and sources reconcile at $379,942.23 each. Not a Closing Disclosure.