Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$155,786Cash toward the purchase price.
Closing costs + prepaids$11,376Not just lender fees.
Before credits & paid funds$167,161The complete starting cash picture.
Estimated remaining funds due at closing
$167,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,785.81
Your down payment$155,785.81
Closing costs + prepaids$11,375.56
Total buyer cash needed$167,161.38
Remaining funds due$167,161.38
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
Property tax escrow (3 months)$708.75
Initial HOA (3 months)$273.99
Prepaid interest, first (24 days)$468.82
Fees + prepaids$11,375.56
Your down payment is the seller’s equity. You take over the $214,114 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $167,161.38 is due at closing. Uses and sources reconcile at $381,275.56 each. Not a Closing Disclosure.