Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$191,537Cash toward the purchase price.
Closing costs + prepaids$10,674Not just lender fees.
Before credits & paid funds$202,211The complete starting cash picture.
Estimated remaining funds due at closing
$202,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,537.06
Your down payment$191,537.06
Closing costs + prepaids$10,673.80
Total buyer cash needed$202,210.85
Remaining funds due$202,210.85
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)$260.50
Initial HOA (3 months)$114.00
Prepaid interest, first (31 days)$424.30
Fees + prepaids$10,673.80
Your down payment is the seller’s equity. You take over the $173,463 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $202,210.85 is due at closing. Uses and sources reconcile at $375,673.80 each. Not a Closing Disclosure.