Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$53,966Cash toward the purchase price.
Closing costs + prepaids$12,284Not just lender fees.
Before credits & paid funds$66,249The complete starting cash picture.
Estimated remaining funds due at closing
$66,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,965.58
Your down payment$53,965.58
Closing costs + prepaids$12,283.78
Total buyer cash needed$66,249.36
Remaining funds due$66,249.36
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)$646.75
Initial HOA (3 months)$504.00
Prepaid interest, first (21 days)$1,258.03
Fees + prepaids$12,283.78
Your down payment is the seller’s equity. You take over the $311,034 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $66,249.36 is due at closing. Uses and sources reconcile at $377,283.78 each. Not a Closing Disclosure.