Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$219,899Cash toward the purchase price.
Closing costs + prepaids$10,721Not just lender fees.
Before credits & paid funds$230,620The complete starting cash picture.
Estimated remaining funds due at closing
$230,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,898.61
Your down payment$219,898.61
Closing costs + prepaids$10,721.49
Total buyer cash needed$230,620.10
Remaining funds due$230,620.10
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)$294.00
Prepaid interest, first (10 days)$114.49
Fees + prepaids$10,721.49
Your down payment is the seller’s equity. You take over the $145,101 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $230,620.10 is due at closing. Uses and sources reconcile at $375,721.49 each. Not a Closing Disclosure.