Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,694Cash toward the purchase price.
Closing costs + prepaids$11,694Not just lender fees.
Before credits & paid funds$153,387The complete starting cash picture.
Estimated remaining funds due at closing
$153,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,693.51
Your down payment$141,693.51
Closing costs + prepaids$11,693.81
Total buyer cash needed$153,387.32
Remaining funds due$153,387.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,719.00
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)$1,194.75
Initial HOA (3 months)$111.99
Prepaid interest, first (25 days)$443.07
Fees + prepaids$11,693.81
Your down payment is the seller’s equity. You take over the $230,206 balance, so the rest of the $371,900 price is paid at closing. A second mortgage can cover part of it. $153,387.32 is due at closing. Uses and sources reconcile at $383,593.81 each. Not a Closing Disclosure.