Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$170,714Cash toward the purchase price.
Closing costs + prepaids$10,824Not just lender fees.
Before credits & paid funds$181,539The complete starting cash picture.
Estimated remaining funds due at closing
$181,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,714.34
Your down payment$170,714.34
Closing costs + prepaids$10,824.29
Total buyer cash needed$181,538.64
Remaining funds due$181,538.64
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)$330.25
Initial HOA (3 months)$348.00
Prepaid interest, first (19 days)$271.04
Fees + prepaids$10,824.29
Your down payment is the seller’s equity. You take over the $194,286 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $181,538.64 is due at closing. Uses and sources reconcile at $375,824.29 each. Not a Closing Disclosure.