Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,147Cash toward the purchase price.
Closing costs + prepaids$11,835Not just lender fees.
Before credits & paid funds$119,982The complete starting cash picture.
Estimated remaining funds due at closing
$119,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,146.89
Your down payment$108,146.89
Closing costs + prepaids$11,834.69
Total buyer cash needed$119,981.58
Remaining funds due$119,981.58
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)$1,092.50
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$567.19
Fees + prepaids$11,834.69
Your down payment is the seller’s equity. You take over the $256,853 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $119,981.58 is due at closing. Uses and sources reconcile at $376,834.69 each. Not a Closing Disclosure.