Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$259,313Cash toward the purchase price.
Closing costs + prepaids$10,713Not just lender fees.
Before credits & paid funds$270,025The complete starting cash picture.
Estimated remaining funds due at closing
$270,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,312.79
Your down payment$259,312.79
Closing costs + prepaids$10,712.66
Total buyer cash needed$270,025.45
Remaining funds due$270,025.45
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)$375.75
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$266.91
Fees + prepaids$10,712.66
Your down payment is the seller’s equity. You take over the $105,687 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $270,025.45 is due at closing. Uses and sources reconcile at $375,712.66 each. Not a Closing Disclosure.