Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$152,095Cash toward the purchase price.
Closing costs + prepaids$10,907Not just lender fees.
Before credits & paid funds$163,002The complete starting cash picture.
Estimated remaining funds due at closing
$163,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,095.15
Your down payment$152,095.15
Closing costs + prepaids$10,907.14
Total buyer cash needed$163,002.29
Remaining funds due$163,002.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$341.50
Initial HOA (3 months)$234.00
Prepaid interest, first (31 days)$516.64
Fees + prepaids$10,907.14
Your down payment is the seller’s equity. You take over the $206,905 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $163,002.29 is due at closing. Uses and sources reconcile at $369,907.14 each. Not a Closing Disclosure.