Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$140,995Cash toward the purchase price.
Closing costs + prepaids$11,113Not just lender fees.
Before credits & paid funds$152,108The complete starting cash picture.
Estimated remaining funds due at closing
$152,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,994.93
Your down payment$140,994.93
Closing costs + prepaids$11,113.42
Total buyer cash needed$152,108.35
Remaining funds due$152,108.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.99
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)$595.75
Prepaid interest, first (28 days)$642.68
Fees + prepaids$11,113.42
Your down payment is the seller’s equity. You take over the $224,004 balance, so the rest of the $364,999 price is paid at closing. A second mortgage can cover part of it. $152,108.35 is due at closing. Uses and sources reconcile at $376,112.42 each. Not a Closing Disclosure.