Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,040Cash toward the purchase price.
Closing costs + prepaids$11,543Not just lender fees.
Before credits & paid funds$159,583The complete starting cash picture.
Estimated remaining funds due at closing
$159,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,040.38
Your down payment$148,040.38
Closing costs + prepaids$11,542.68
Total buyer cash needed$159,583.06
Remaining funds due$159,583.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$475.75
Initial HOA (3 months)$486.00
Prepaid interest, first (31 days)$606.93
Fees + prepaids$11,542.68
Your down payment is the seller’s equity. You take over the $226,860 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $159,583.06 is due at closing. Uses and sources reconcile at $386,442.68 each. Not a Closing Disclosure.