Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$256,362Cash toward the purchase price.
Closing costs + prepaids$10,763Not just lender fees.
Before credits & paid funds$267,125The complete starting cash picture.
Estimated remaining funds due at closing
$267,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,362.08
Your down payment$256,362.08
Closing costs + prepaids$10,763.18
Total buyer cash needed$267,125.26
Remaining funds due$267,125.26
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)$306.00
Prepaid interest, first (30 days)$582.18
Fees + prepaids$10,763.18
Your down payment is the seller’s equity. You take over the $108,638 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $267,125.26 is due at closing. Uses and sources reconcile at $375,763.18 each. Not a Closing Disclosure.