Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$216,341Cash toward the purchase price.
Closing costs + prepaids$10,604Not just lender fees.
Before credits & paid funds$226,945The complete starting cash picture.
Estimated remaining funds due at closing
$226,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,341.23
Your down payment$216,341.23
Closing costs + prepaids$10,604.14
Total buyer cash needed$226,945.36
Remaining funds due$226,945.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,725.00
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)$447.00
Initial HOA (3 months)$9.99
Prepaid interest, first (12 days)$197.15
Fees + prepaids$10,604.14
Your down payment is the seller’s equity. You take over the $156,159 balance, so the rest of the $372,500 price is paid at closing. A second mortgage can cover part of it. $226,945.36 is due at closing. Uses and sources reconcile at $383,104.14 each. Not a Closing Disclosure.