Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$65,204Cash toward the purchase price.
Closing costs + prepaids$12,215Not just lender fees.
Before credits & paid funds$77,419The complete starting cash picture.
Estimated remaining funds due at closing
$77,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,204.38
Your down payment$65,204.38
Closing costs + prepaids$12,214.63
Total buyer cash needed$77,419.01
Remaining funds due$77,419.01
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)$868.25
Prepaid interest, first (26 days)$1,471.38
Fees + prepaids$12,214.63
Your down payment is the seller’s equity. You take over the $299,796 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $77,419.01 is due at closing. Uses and sources reconcile at $377,214.63 each. Not a Closing Disclosure.