Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$137,503Cash toward the purchase price.
Closing costs + prepaids$10,200Not just lender fees.
Before credits & paid funds$147,702The complete starting cash picture.
Estimated remaining funds due at closing
$147,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,502.60
Your down payment$137,502.60
Closing costs + prepaids$10,199.75
Total buyer cash needed$147,702.35
Remaining funds due$147,702.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.99
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)$282.50
Prepaid interest, first (1 days)$42.26
Fees + prepaids$10,199.75
Your down payment is the seller’s equity. You take over the $227,496 balance, so the rest of the $364,999 price is paid at closing. A second mortgage can cover part of it. $147,702.35 is due at closing. Uses and sources reconcile at $375,198.75 each. Not a Closing Disclosure.