Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$148,468Cash toward the purchase price.
Closing costs + prepaids$12,623Not just lender fees.
Before credits & paid funds$161,092The complete starting cash picture.
Estimated remaining funds due at closing
$161,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,468.44
Your down payment$148,468.44
Closing costs + prepaids$12,623.18
Total buyer cash needed$161,091.62
Remaining funds due$161,091.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,655.00
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)$1,099.75
Initial HOA (3 months)$1,104.00
Prepaid interest, first (24 days)$539.43
Fees + prepaids$12,623.18
Your down payment is the seller’s equity. You take over the $217,032 balance, so the rest of the $365,500 price is paid at closing. A second mortgage can cover part of it. $161,091.62 is due at closing. Uses and sources reconcile at $378,123.18 each. Not a Closing Disclosure.