Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$140,231Cash toward the purchase price.
Closing costs + prepaids$12,797Not just lender fees.
Before credits & paid funds$153,028The complete starting cash picture.
Estimated remaining funds due at closing
$153,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,230.65
Your down payment$140,230.65
Closing costs + prepaids$12,797.37
Total buyer cash needed$153,028.02
Remaining funds due$153,028.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$1,928.00
Initial HOA (3 months)$390.00
Prepaid interest, first (22 days)$654.37
Fees + prepaids$12,797.37
Your down payment is the seller’s equity. You take over the $219,769 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $153,028.02 is due at closing. Uses and sources reconcile at $372,797.37 each. Not a Closing Disclosure.