Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$53,974Cash toward the purchase price.
Closing costs + prepaids$12,482Not just lender fees.
Before credits & paid funds$66,456The complete starting cash picture.
Estimated remaining funds due at closing
$66,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,974.38
Your down payment$53,974.38
Closing costs + prepaids$12,481.52
Total buyer cash needed$66,455.91
Remaining funds due$66,455.91
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)$912.50
Prepaid interest, first (28 days)$1,694.02
Fees + prepaids$12,481.52
Your down payment is the seller’s equity. You take over the $311,026 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $66,455.91 is due at closing. Uses and sources reconcile at $377,481.52 each. Not a Closing Disclosure.