Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$61,397Cash toward the purchase price.
Closing costs + prepaids$11,362Not just lender fees.
Before credits & paid funds$72,758The complete starting cash picture.
Estimated remaining funds due at closing
$72,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,396.56
Your down payment$61,396.56
Closing costs + prepaids$11,361.83
Total buyer cash needed$72,758.39
Remaining funds due$72,758.39
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)$451.25
Prepaid interest, first (25 days)$1,035.58
Fees + prepaids$11,361.83
Your down payment is the seller’s equity. You take over the $303,603 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $72,758.39 is due at closing. Uses and sources reconcile at $376,361.83 each. Not a Closing Disclosure.