Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$202,783Cash toward the purchase price.
Closing costs + prepaids$10,602Not just lender fees.
Before credits & paid funds$213,385The complete starting cash picture.
Estimated remaining funds due at closing
$213,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,783.46
Your down payment$202,783.46
Closing costs + prepaids$10,601.90
Total buyer cash needed$213,385.36
Remaining funds due$213,385.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$575.50
Initial HOA (3 months)$135.00
Prepaid interest, first (1 days)$16.40
Fees + prepaids$10,601.90
Your down payment is the seller’s equity. You take over the $162,217 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $213,385.36 is due at closing. Uses and sources reconcile at $375,601.90 each. Not a Closing Disclosure.