Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$135,316Cash toward the purchase price.
Closing costs + prepaids$10,675Not just lender fees.
Before credits & paid funds$145,991The complete starting cash picture.
Estimated remaining funds due at closing
$145,991No 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$10,674.94
Total buyer cash needed$145,990.57
Remaining funds due$145,990.57
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 (9 days)$158.93
Fees + prepaids$10,674.94
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. $145,990.57 is due at closing. Uses and sources reconcile at $370,574.94 each. Not a Closing Disclosure.