Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$170,714Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$181,653The complete starting cash picture.
Estimated remaining funds due at closing
$181,653No 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$10,938.41
Total buyer cash needed$181,652.76
Remaining funds due$181,652.76
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 (27 days)$385.16
Fees + prepaids$10,938.41
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. $181,652.76 is due at closing. Uses and sources reconcile at $375,938.41 each. Not a Closing Disclosure.