Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$138,337Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$149,275The complete starting cash picture.
Estimated remaining funds due at closing
$149,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,336.72
Your down payment$138,336.72
Closing costs + prepaids$10,938.34
Total buyer cash needed$149,275.06
Remaining funds due$149,275.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,715.00
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)$445.75
Initial HOA (3 months)$375.00
Prepaid interest, first (10 days)$177.59
Fees + prepaids$10,938.34
Your down payment is the seller’s equity. You take over the $233,163 balance, so the rest of the $371,500 price is paid at closing. A second mortgage can cover part of it. $149,275.06 is due at closing. Uses and sources reconcile at $382,438.34 each. Not a Closing Disclosure.