Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$141,899Cash toward the purchase price.
Closing costs + prepaids$10,543Not just lender fees.
Before credits & paid funds$152,443The complete starting cash picture.
Estimated remaining funds due at closing
$152,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,899.29
Your down payment$141,899.29
Closing costs + prepaids$10,543.21
Total buyer cash needed$152,442.50
Remaining funds due$152,442.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,670.00
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)$370.50
Initial HOA (3 months)$260.01
Prepaid interest, first (1 days)$17.70
Fees + prepaids$10,543.21
Your down payment is the seller’s equity. You take over the $225,101 balance, so the rest of the $367,000 price is paid at closing. A second mortgage can cover part of it. $152,442.50 is due at closing. Uses and sources reconcile at $377,543.21 each. Not a Closing Disclosure.