Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$143,981Cash toward the purchase price.
Closing costs + prepaids$11,174Not just lender fees.
Before credits & paid funds$155,155The complete starting cash picture.
Estimated remaining funds due at closing
$155,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,981.33
Your down payment$143,981.33
Closing costs + prepaids$11,173.62
Total buyer cash needed$155,154.95
Remaining funds due$155,154.95
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)$847.50
Prepaid interest, first (25 days)$451.12
Fees + prepaids$11,173.62
Your down payment is the seller’s equity. You take over the $221,019 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $155,154.95 is due at closing. Uses and sources reconcile at $376,173.62 each. Not a Closing Disclosure.