Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$151,964Cash toward the purchase price.
Closing costs + prepaids$10,619Not just lender fees.
Before credits & paid funds$162,583The complete starting cash picture.
Estimated remaining funds due at closing
$162,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,964.27
Your down payment$151,964.27
Closing costs + prepaids$10,619.00
Total buyer cash needed$162,583.27
Remaining funds due$162,583.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,680.00
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)$361.25
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$16.75
Fees + prepaids$10,619.00
Your down payment is the seller’s equity. You take over the $216,036 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $162,583.27 is due at closing. Uses and sources reconcile at $378,619.00 each. Not a Closing Disclosure.