Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$140,036Cash toward the purchase price.
Closing costs + prepaids$11,324Not just lender fees.
Before credits & paid funds$151,360The complete starting cash picture.
Estimated remaining funds due at closing
$151,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,036.37
Your down payment$140,036.37
Closing costs + prepaids$11,323.99
Total buyer cash needed$151,360.36
Remaining funds due$151,360.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$900.75
Initial HOA (3 months)$168.75
Prepaid interest, first (22 days)$439.49
Fees + prepaids$11,323.99
Your down payment is the seller’s equity. You take over the $218,964 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $151,360.36 is due at closing. Uses and sources reconcile at $370,323.99 each. Not a Closing Disclosure.