Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$165,185Cash toward the purchase price.
Closing costs + prepaids$12,121Not just lender fees.
Before credits & paid funds$177,305The complete starting cash picture.
Estimated remaining funds due at closing
$177,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,184.88
Your down payment$165,184.88
Closing costs + prepaids$12,120.59
Total buyer cash needed$177,305.47
Remaining funds due$177,305.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$1,538.75
Initial HOA (3 months)$240.00
Prepaid interest, first (28 days)$426.84
Fees + prepaids$12,120.59
Your down payment is the seller’s equity. You take over the $203,815 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $177,305.47 is due at closing. Uses and sources reconcile at $381,120.59 each. Not a Closing Disclosure.