Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$222,564Cash toward the purchase price.
Closing costs + prepaids$10,756Not just lender fees.
Before credits & paid funds$233,319The complete starting cash picture.
Estimated remaining funds due at closing
$233,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,563.79
Your down payment$222,563.79
Closing costs + prepaids$10,755.60
Total buyer cash needed$233,319.39
Remaining funds due$233,319.39
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)$602.50
Initial HOA (3 months)$255.00
Prepaid interest, first (2 days)$23.10
Fees + prepaids$10,755.60
Your down payment is the seller’s equity. You take over the $142,436 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $233,319.39 is due at closing. Uses and sources reconcile at $375,755.60 each. Not a Closing Disclosure.