Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$130,062Cash toward the purchase price.
Closing costs + prepaids$11,605Not just lender fees.
Before credits & paid funds$141,667The complete starting cash picture.
Estimated remaining funds due at closing
$141,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,061.66
Your down payment$130,061.66
Closing costs + prepaids$11,605.36
Total buyer cash needed$141,667.03
Remaining funds due$141,667.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,679.99
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)$1,213.75
Initial HOA (3 months)$53.25
Prepaid interest, first (24 days)$433.37
Fees + prepaids$11,605.36
Your down payment is the seller’s equity. You take over the $237,937 balance, so the rest of the $367,999 price is paid at closing. A second mortgage can cover part of it. $141,667.03 is due at closing. Uses and sources reconcile at $379,604.36 each. Not a Closing Disclosure.