Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$64,773Cash toward the purchase price.
Closing costs + prepaids$12,289Not just lender fees.
Before credits & paid funds$77,062The complete starting cash picture.
Estimated remaining funds due at closing
$77,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,773.48
Your down payment$64,773.48
Closing costs + prepaids$12,288.99
Total buyer cash needed$77,062.47
Remaining funds due$77,062.47
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)$1,998.50
Initial HOA (3 months)$351.00
Prepaid interest, first (2 days)$64.49
Fees + prepaids$12,288.99
Your down payment is the seller’s equity. You take over the $300,227 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $77,062.47 is due at closing. Uses and sources reconcile at $377,288.99 each. Not a Closing Disclosure.