Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$97,925Cash toward the purchase price.
Closing costs + prepaids$11,315Not just lender fees.
Before credits & paid funds$109,241The complete starting cash picture.
Estimated remaining funds due at closing
$109,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,925.33
Your down payment$97,925.33
Closing costs + prepaids$11,315.33
Total buyer cash needed$109,240.66
Remaining funds due$109,240.66
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)$865.75
Initial HOA (3 months)$7.50
Prepaid interest, first (25 days)$567.08
Fees + prepaids$11,315.33
Your down payment is the seller’s equity. You take over the $267,075 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $109,240.66 is due at closing. Uses and sources reconcile at $376,315.33 each. Not a Closing Disclosure.