Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$59,308Cash toward the purchase price.
Closing costs + prepaids$12,334Not just lender fees.
Before credits & paid funds$71,642The complete starting cash picture.
Estimated remaining funds due at closing
$71,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,307.93
Your down payment$59,307.93
Closing costs + prepaids$12,333.82
Total buyer cash needed$71,641.76
Remaining funds due$71,641.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$767.50
Initial HOA (3 months)$765.00
Prepaid interest, first (29 days)$876.32
Fees + prepaids$12,333.82
Your down payment is the seller’s equity. You take over the $310,692 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $71,641.76 is due at closing. Uses and sources reconcile at $382,333.82 each. Not a Closing Disclosure.