Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$241,032Cash toward the purchase price.
Closing costs + prepaids$10,621Not just lender fees.
Before credits & paid funds$251,653The complete starting cash picture.
Estimated remaining funds due at closing
$251,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,032.27
Your down payment$241,032.27
Closing costs + prepaids$10,620.61
Total buyer cash needed$251,652.88
Remaining funds due$251,652.88
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)$320.25
Prepaid interest, first (31 days)$425.36
Fees + prepaids$10,620.61
Your down payment is the seller’s equity. You take over the $123,968 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $251,652.88 is due at closing. Uses and sources reconcile at $375,620.61 each. Not a Closing Disclosure.