Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$124,551Cash toward the purchase price.
Closing costs + prepaids$11,678Not just lender fees.
Before credits & paid funds$136,229The complete starting cash picture.
Estimated remaining funds due at closing
$136,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,551.05
Your down payment$124,551.05
Closing costs + prepaids$11,677.71
Total buyer cash needed$136,228.76
Remaining funds due$136,228.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.90
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)$961.50
Initial HOA (3 months)$234.00
Prepaid interest, first (28 days)$557.31
Fees + prepaids$11,677.71
Your down payment is the seller’s equity. You take over the $245,439 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $136,228.76 is due at closing. Uses and sources reconcile at $381,667.71 each. Not a Closing Disclosure.