Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$275,160Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$285,636The complete starting cash picture.
Estimated remaining funds due at closing
$285,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,160.38
Your down payment$275,160.38
Closing costs + prepaids$10,475.61
Total buyer cash needed$285,635.99
Remaining funds due$285,635.99
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)$456.25
Prepaid interest, first (17 days)$144.36
Fees + prepaids$10,475.61
Your down payment is the seller’s equity. You take over the $89,840 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $285,635.99 is due at closing. Uses and sources reconcile at $375,475.61 each. Not a Closing Disclosure.