Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,707Cash toward the purchase price.
Closing costs + prepaids$10,590Not just lender fees.
Before credits & paid funds$142,298The complete starting cash picture.
Estimated remaining funds due at closing
$142,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,707.16
Your down payment$131,707.16
Closing costs + prepaids$10,590.48
Total buyer cash needed$142,297.63
Remaining funds due$142,297.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$521.50
Initial HOA (3 months)$125.01
Prepaid interest, first (1 days)$19.97
Fees + prepaids$10,590.48
Your down payment is the seller’s equity. You take over the $238,193 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $142,297.63 is due at closing. Uses and sources reconcile at $380,490.48 each. Not a Closing Disclosure.