Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,231Cash toward the purchase price.
Closing costs + prepaids$13,115Not just lender fees.
Before credits & paid funds$158,346The complete starting cash picture.
Estimated remaining funds due at closing
$158,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,230.65
Your down payment$145,230.65
Closing costs + prepaids$13,115.07
Total buyer cash needed$158,345.72
Remaining funds due$158,345.72
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)$1,928.00
Initial HOA (3 months)$390.00
Prepaid interest, first (31 days)$922.07
Fees + prepaids$13,115.07
Your down payment is the seller’s equity. You take over the $219,769 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $158,345.72 is due at closing. Uses and sources reconcile at $378,115.07 each. Not a Closing Disclosure.