Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,247Cash toward the purchase price.
Closing costs + prepaids$11,108Not just lender fees.
Before credits & paid funds$143,355The complete starting cash picture.
Estimated remaining funds due at closing
$143,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,246.99
Your down payment$132,246.99
Closing costs + prepaids$11,108.45
Total buyer cash needed$143,355.44
Remaining funds due$143,355.44
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)$521.50
Initial HOA (3 months)$125.01
Prepaid interest, first (27 days)$537.94
Fees + prepaids$11,108.45
Your down payment is the seller’s equity. You take over the $237,653 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $143,355.44 is due at closing. Uses and sources reconcile at $381,008.45 each. Not a Closing Disclosure.