Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$133,962Cash toward the purchase price.
Closing costs + prepaids$10,517Not just lender fees.
Before credits & paid funds$144,480The complete starting cash picture.
Estimated remaining funds due at closing
$144,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,962.20
Your down payment$133,962.20
Closing costs + prepaids$10,517.40
Total buyer cash needed$144,479.60
Remaining funds due$144,479.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,560.00
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)$267.75
Initial HOA (3 months)$69.00
Prepaid interest, first (24 days)$395.65
Fees + prepaids$10,517.40
Your down payment is the seller’s equity. You take over the $222,038 balance, so the rest of the $356,000 price is paid at closing. A second mortgage can cover part of it. $144,479.60 is due at closing. Uses and sources reconcile at $366,517.40 each. Not a Closing Disclosure.