Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$152,580Cash toward the purchase price.
Closing costs + prepaids$10,237Not just lender fees.
Before credits & paid funds$162,816The complete starting cash picture.
Estimated remaining funds due at closing
$162,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,579.88
Your down payment$152,579.88
Closing costs + prepaids$10,236.59
Total buyer cash needed$162,816.47
Remaining funds due$162,816.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$289.25
Prepaid interest, first (1 days)$22.34
Fees + prepaids$10,236.59
Your down payment is the seller’s equity. You take over the $217,420 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $162,816.47 is due at closing. Uses and sources reconcile at $380,236.59 each. Not a Closing Disclosure.