Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$115,991Cash toward the purchase price.
Closing costs + prepaids$12,625Not just lender fees.
Before credits & paid funds$128,615The complete starting cash picture.
Estimated remaining funds due at closing
$128,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,990.81
Your down payment$115,990.81
Closing costs + prepaids$12,624.51
Total buyer cash needed$128,615.32
Remaining funds due$128,615.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$554.00
Initial HOA (3 months)$1,380.00
Prepaid interest, first (25 days)$765.51
Fees + prepaids$12,624.51
Your down payment is the seller’s equity. You take over the $254,009 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $128,615.32 is due at closing. Uses and sources reconcile at $382,624.51 each. Not a Closing Disclosure.