Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$122,247Cash toward the purchase price.
Closing costs + prepaids$10,560Not just lender fees.
Before credits & paid funds$132,807The complete starting cash picture.
Estimated remaining funds due at closing
$132,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,246.99
Your down payment$122,246.99
Closing costs + prepaids$10,560.32
Total buyer cash needed$132,807.31
Remaining funds due$132,807.31
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)$125.01
Prepaid interest, first (9 days)$179.31
Fees + prepaids$10,560.32
Your down payment is the seller’s equity. You take over the $237,653 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $132,807.31 is due at closing. Uses and sources reconcile at $370,460.32 each. Not a Closing Disclosure.