Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$136,841Cash toward the purchase price.
Closing costs + prepaids$10,890Not just lender fees.
Before credits & paid funds$147,732The complete starting cash picture.
Estimated remaining funds due at closing
$147,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,841.23
Your down payment$136,841.23
Closing costs + prepaids$10,890.33
Total buyer cash needed$147,731.56
Remaining funds due$147,731.56
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
Prepaid interest, first (23 days)$966.33
Fees + prepaids$10,890.33
Your down payment is the seller’s equity. You take over the $233,059 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $147,731.56 is due at closing. Uses and sources reconcile at $380,790.33 each. Not a Closing Disclosure.