Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$139,450Cash toward the purchase price.
Closing costs + prepaids$12,827Not just lender fees.
Before credits & paid funds$152,277The complete starting cash picture.
Estimated remaining funds due at closing
$152,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,449.82
Your down payment$139,449.82
Closing costs + prepaids$12,826.97
Total buyer cash needed$152,276.79
Remaining funds due$152,276.79
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)$1,146.00
Initial HOA (3 months)$1,146.00
Prepaid interest, first (30 days)$659.97
Fees + prepaids$12,826.97
Your down payment is the seller’s equity. You take over the $225,550 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $152,276.79 is due at closing. Uses and sources reconcile at $377,826.97 each. Not a Closing Disclosure.