Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$52,908Cash toward the purchase price.
Closing costs + prepaids$12,103Not just lender fees.
Before credits & paid funds$65,011The complete starting cash picture.
Estimated remaining funds due at closing
$65,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,908.45
Your down payment$52,908.45
Closing costs + prepaids$12,102.97
Total buyer cash needed$65,011.42
Remaining funds due$65,011.42
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)$1,107.00
Initial HOA (3 months)$297.99
Prepaid interest, first (25 days)$822.98
Fees + prepaids$12,102.97
Your down payment is the seller’s equity. You take over the $312,092 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $65,011.42 is due at closing. Uses and sources reconcile at $377,102.97 each. Not a Closing Disclosure.