Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$150,209Cash toward the purchase price.
Closing costs + prepaids$12,578Not just lender fees.
Before credits & paid funds$162,787The complete starting cash picture.
Estimated remaining funds due at closing
$162,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,209.32
Your down payment$150,209.32
Closing costs + prepaids$12,578.15
Total buyer cash needed$162,787.47
Remaining funds due$162,787.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$1,853.50
Initial HOA (3 months)$267.99
Prepaid interest, first (26 days)$441.66
Fees + prepaids$12,578.15
Your down payment is the seller’s equity. You take over the $228,791 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $162,787.47 is due at closing. Uses and sources reconcile at $391,578.15 each. Not a Closing Disclosure.