Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$151,526Cash toward the purchase price.
Closing costs + prepaids$12,344Not just lender fees.
Before credits & paid funds$163,870The complete starting cash picture.
Estimated remaining funds due at closing
$163,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,525.64
Your down payment$151,525.64
Closing costs + prepaids$12,344.26
Total buyer cash needed$163,869.90
Remaining funds due$163,869.90
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)$1,855.00
Initial HOA (3 months)$129.99
Prepaid interest, first (24 days)$484.27
Fees + prepaids$12,344.26
Your down payment is the seller’s equity. You take over the $213,474 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $163,869.90 is due at closing. Uses and sources reconcile at $377,344.26 each. Not a Closing Disclosure.