Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$156,900Cash toward the purchase price.
Closing costs + prepaids$11,156Not just lender fees.
Before credits & paid funds$168,056The complete starting cash picture.
Estimated remaining funds due at closing
$168,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,899.89
Your down payment$156,899.89
Closing costs + prepaids$11,155.79
Total buyer cash needed$168,055.68
Remaining funds due$168,055.68
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)$533.00
Initial HOA (3 months)$276.00
Prepaid interest, first (21 days)$422.79
Fees + prepaids$11,155.79
Your down payment is the seller’s equity. You take over the $213,000 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $168,055.68 is due at closing. Uses and sources reconcile at $381,055.79 each. Not a Closing Disclosure.