Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$158,412Cash toward the purchase price.
Closing costs + prepaids$11,110Not just lender fees.
Before credits & paid funds$169,522The complete starting cash picture.
Estimated remaining funds due at closing
$169,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,411.69
Your down payment$158,411.69
Closing costs + prepaids$11,110.14
Total buyer cash needed$169,521.83
Remaining funds due$169,521.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.99
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)$420.50
Initial HOA (3 months)$282.00
Prepaid interest, first (23 days)$482.65
Fees + prepaids$11,110.14
Your down payment is the seller’s equity. You take over the $211,587 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $169,521.83 is due at closing. Uses and sources reconcile at $381,109.14 each. Not a Closing Disclosure.