Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$151,675Cash toward the purchase price.
Closing costs + prepaids$11,885Not just lender fees.
Before credits & paid funds$163,559The complete starting cash picture.
Estimated remaining funds due at closing
$163,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,674.54
Your down payment$151,674.54
Closing costs + prepaids$11,884.82
Total buyer cash needed$163,559.36
Remaining funds due$163,559.36
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)$1,919.50
Initial HOA (3 months)$69.51
Prepaid interest, first (1 days)$20.81
Fees + prepaids$11,884.82
Your down payment is the seller’s equity. You take over the $213,325 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $163,559.36 is due at closing. Uses and sources reconcile at $376,884.82 each. Not a Closing Disclosure.