Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$159,665Cash toward the purchase price.
Closing costs + prepaids$11,383Not just lender fees.
Before credits & paid funds$171,048The complete starting cash picture.
Estimated remaining funds due at closing
$171,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,665.48
Your down payment$159,665.48
Closing costs + prepaids$11,382.61
Total buyer cash needed$171,048.09
Remaining funds due$171,048.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$689.25
Initial HOA (3 months)$75.99
Prepaid interest, first (26 days)$693.37
Fees + prepaids$11,382.61
Your down payment is the seller’s equity. You take over the $210,235 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $171,048.09 is due at closing. Uses and sources reconcile at $381,282.61 each. Not a Closing Disclosure.