Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$135,316Cash toward the purchase price.
Closing costs + prepaids$10,693Not just lender fees.
Before credits & paid funds$146,008The complete starting cash picture.
Estimated remaining funds due at closing
$146,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,315.63
Your down payment$135,315.63
Closing costs + prepaids$10,692.60
Total buyer cash needed$146,008.23
Remaining funds due$146,008.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$432.00
Initial HOA (3 months)$260.01
Prepaid interest, first (10 days)$176.59
Fees + prepaids$10,692.60
Your down payment is the seller’s equity. You take over the $224,584 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $146,008.23 is due at closing. Uses and sources reconcile at $370,592.60 each. Not a Closing Disclosure.