Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$157,629Cash toward the purchase price.
Closing costs + prepaids$11,841Not just lender fees.
Before credits & paid funds$169,470The complete starting cash picture.
Estimated remaining funds due at closing
$169,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,629.15
Your down payment$157,629.15
Closing costs + prepaids$11,840.99
Total buyer cash needed$169,470.14
Remaining funds due$169,470.14
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)$952.25
Initial HOA (3 months)$450.00
Prepaid interest, first (28 days)$523.74
Fees + prepaids$11,840.99
Your down payment is the seller’s equity. You take over the $211,371 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $169,470.14 is due at closing. Uses and sources reconcile at $380,840.99 each. Not a Closing Disclosure.