Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$124,066Cash toward the purchase price.
Closing costs + prepaids$10,614Not just lender fees.
Before credits & paid funds$134,680The complete starting cash picture.
Estimated remaining funds due at closing
$134,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,066.40
Your down payment$124,066.40
Closing costs + prepaids$10,613.78
Total buyer cash needed$134,680.18
Remaining funds due$134,680.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,655.00
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)$438.50
Prepaid interest, first (12 days)$295.28
Fees + prepaids$10,613.78
Your down payment is the seller’s equity. You take over the $241,434 balance, so the rest of the $365,500 price is paid at closing. A second mortgage can cover part of it. $134,680.18 is due at closing. Uses and sources reconcile at $376,113.78 each. Not a Closing Disclosure.