Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$127,399Cash toward the purchase price.
Closing costs + prepaids$11,349Not just lender fees.
Before credits & paid funds$138,748The complete starting cash picture.
Estimated remaining funds due at closing
$138,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,399.15
Your down payment$127,399.15
Closing costs + prepaids$11,349.35
Total buyer cash needed$138,748.50
Remaining funds due$138,748.50
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)$358.50
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$920.85
Fees + prepaids$11,349.35
Your down payment is the seller’s equity. You take over the $237,601 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $138,748.50 is due at closing. Uses and sources reconcile at $376,349.35 each. Not a Closing Disclosure.