Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$153,270Cash toward the purchase price.
Closing costs + prepaids$11,691Not just lender fees.
Before credits & paid funds$164,960The complete starting cash picture.
Estimated remaining funds due at closing
$164,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,269.79
Your down payment$153,269.79
Closing costs + prepaids$11,690.62
Total buyer cash needed$164,960.41
Remaining funds due$164,960.41
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)$1,153.75
Initial HOA (3 months)$119.01
Prepaid interest, first (27 days)$473.86
Fees + prepaids$11,690.62
Your down payment is the seller’s equity. You take over the $218,630 balance, so the rest of the $371,900 price is paid at closing. A second mortgage can cover part of it. $164,960.41 is due at closing. Uses and sources reconcile at $383,590.62 each. Not a Closing Disclosure.