Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$132,442Cash toward the purchase price.
Closing costs + prepaids$10,990Not just lender fees.
Before credits & paid funds$143,432The complete starting cash picture.
Estimated remaining funds due at closing
$143,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,441.71
Your down payment$132,441.71
Closing costs + prepaids$10,990.04
Total buyer cash needed$143,431.75
Remaining funds due$143,431.75
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)$438.00
Initial HOA (3 months)$570.00
Prepaid interest, first (6 days)$107.04
Fees + prepaids$10,990.04
Your down payment is the seller’s equity. You take over the $232,558 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $143,431.75 is due at closing. Uses and sources reconcile at $375,990.04 each. Not a Closing Disclosure.