Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$219,551Cash toward the purchase price.
Closing costs + prepaids$10,489Not just lender fees.
Before credits & paid funds$230,040The complete starting cash picture.
Estimated remaining funds due at closing
$230,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,550.94
Your down payment$219,550.94
Closing costs + prepaids$10,488.95
Total buyer cash needed$230,039.89
Remaining funds due$230,039.89
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)$297.00
Initial HOA (3 months)$294.00
Prepaid interest, first (2 days)$22.95
Fees + prepaids$10,488.95
Your down payment is the seller’s equity. You take over the $145,449 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $230,039.89 is due at closing. Uses and sources reconcile at $375,488.95 each. Not a Closing Disclosure.