Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$238,069Cash toward the purchase price.
Closing costs + prepaids$10,551Not just lender fees.
Before credits & paid funds$248,620The complete starting cash picture.
Estimated remaining funds due at closing
$248,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,069.26
Your down payment$238,069.26
Closing costs + prepaids$10,550.55
Total buyer cash needed$248,619.80
Remaining funds due$248,619.80
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)$277.75
Prepaid interest, first (31 days)$397.80
Fees + prepaids$10,550.55
Your down payment is the seller’s equity. You take over the $126,931 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $248,619.80 is due at closing. Uses and sources reconcile at $375,550.55 each. Not a Closing Disclosure.