Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$152,095Cash toward the purchase price.
Closing costs + prepaids$10,780Not just lender fees.
Before credits & paid funds$162,875The complete starting cash picture.
Estimated remaining funds due at closing
$162,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,095.15
Your down payment$152,095.15
Closing costs + prepaids$10,779.73
Total buyer cash needed$162,874.88
Remaining funds due$162,874.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$430.75
Initial HOA (3 months)$234.00
Prepaid interest, first (18 days)$299.98
Fees + prepaids$10,779.73
Your down payment is the seller’s equity. You take over the $206,905 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $162,874.88 is due at closing. Uses and sources reconcile at $369,779.73 each. Not a Closing Disclosure.