Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$156,109Cash toward the purchase price.
Closing costs + prepaids$11,894Not just lender fees.
Before credits & paid funds$168,003The complete starting cash picture.
Estimated remaining funds due at closing
$168,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,108.56
Your down payment$156,108.56
Closing costs + prepaids$11,894.28
Total buyer cash needed$168,002.84
Remaining funds due$168,002.84
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)$1,399.75
Prepaid interest, first (23 days)$579.53
Fees + prepaids$11,894.28
Your down payment is the seller’s equity. You take over the $212,891 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $168,002.84 is due at closing. Uses and sources reconcile at $380,894.28 each. Not a Closing Disclosure.