Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$192,041Cash toward the purchase price.
Closing costs + prepaids$11,317Not just lender fees.
Before credits & paid funds$203,358The complete starting cash picture.
Estimated remaining funds due at closing
$203,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,040.92
Your down payment$192,040.92
Closing costs + prepaids$11,316.96
Total buyer cash needed$203,357.87
Remaining funds due$203,357.87
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)$924.50
Prepaid interest, first (28 days)$517.46
Fees + prepaids$11,316.96
Your down payment is the seller’s equity. You take over the $172,959 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $203,357.87 is due at closing. Uses and sources reconcile at $376,316.96 each. Not a Closing Disclosure.