Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$151,907Cash toward the purchase price.
Closing costs + prepaids$10,870Not just lender fees.
Before credits & paid funds$162,777The complete starting cash picture.
Estimated remaining funds due at closing
$162,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,907.37
Your down payment$151,907.37
Closing costs + prepaids$10,869.59
Total buyer cash needed$162,776.95
Remaining funds due$162,776.95
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)$435.00
Prepaid interest, first (27 days)$559.59
Fees + prepaids$10,869.59
Your down payment is the seller’s equity. You take over the $213,093 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $162,776.95 is due at closing. Uses and sources reconcile at $375,869.59 each. Not a Closing Disclosure.