Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$136,027Cash toward the purchase price.
Closing costs + prepaids$11,566Not just lender fees.
Before credits & paid funds$147,593The complete starting cash picture.
Estimated remaining funds due at closing
$147,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,026.61
Your down payment$136,026.61
Closing costs + prepaids$11,566.12
Total buyer cash needed$147,592.73
Remaining funds due$147,592.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,589.00
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)$1,290.50
Prepaid interest, first (27 days)$461.62
Fees + prepaids$11,566.12
Your down payment is the seller’s equity. You take over the $222,873 balance, so the rest of the $358,900 price is paid at closing. A second mortgage can cover part of it. $147,592.73 is due at closing. Uses and sources reconcile at $370,466.12 each. Not a Closing Disclosure.