Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$178,584Cash toward the purchase price.
Closing costs + prepaids$10,830Not just lender fees.
Before credits & paid funds$189,415The complete starting cash picture.
Estimated remaining funds due at closing
$189,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,584.39
Your down payment$178,584.39
Closing costs + prepaids$10,830.14
Total buyer cash needed$189,414.53
Remaining funds due$189,414.53
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)$720.50
Initial HOA (3 months)$204.00
Prepaid interest, first (2 days)$30.64
Fees + prepaids$10,830.14
Your down payment is the seller’s equity. You take over the $186,416 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $189,414.53 is due at closing. Uses and sources reconcile at $375,830.14 each. Not a Closing Disclosure.