Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$148,314Cash toward the purchase price.
Closing costs + prepaids$10,545Not just lender fees.
Before credits & paid funds$158,859The complete starting cash picture.
Estimated remaining funds due at closing
$158,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,314.48
Your down payment$148,314.48
Closing costs + prepaids$10,544.85
Total buyer cash needed$158,859.32
Remaining funds due$158,859.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.99
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)$432.00
Initial HOA (3 months)$137.01
Prepaid interest, first (9 days)$150.85
Fees + prepaids$10,544.85
Your down payment is the seller’s equity. You take over the $211,685 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $158,859.32 is due at closing. Uses and sources reconcile at $370,543.85 each. Not a Closing Disclosure.