Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$254,643Cash toward the purchase price.
Closing costs + prepaids$10,628Not just lender fees.
Before credits & paid funds$265,272The complete starting cash picture.
Estimated remaining funds due at closing
$265,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,643.06
Your down payment$254,643.06
Closing costs + prepaids$10,628.47
Total buyer cash needed$265,271.53
Remaining funds due$265,271.53
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)$361.25
Initial HOA (3 months)$381.00
Prepaid interest, first (1 days)$11.22
Fees + prepaids$10,628.47
Your down payment is the seller’s equity. You take over the $110,357 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $265,271.53 is due at closing. Uses and sources reconcile at $375,628.47 each. Not a Closing Disclosure.