Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$124,066Cash toward the purchase price.
Closing costs + prepaids$10,935Not just lender fees.
Before credits & paid funds$135,002The complete starting cash picture.
Estimated remaining funds due at closing
$135,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,066.40
Your down payment$124,066.40
Closing costs + prepaids$10,935.19
Total buyer cash needed$135,001.59
Remaining funds due$135,001.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,655.00
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)$317.00
Prepaid interest, first (30 days)$738.19
Fees + prepaids$10,935.19
Your down payment is the seller’s equity. You take over the $241,434 balance, so the rest of the $365,500 price is paid at closing. A second mortgage can cover part of it. $135,001.59 is due at closing. Uses and sources reconcile at $376,435.19 each. Not a Closing Disclosure.