Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$48,553Cash toward the purchase price.
Closing costs + prepaids$11,568Not just lender fees.
Before credits & paid funds$60,121The complete starting cash picture.
Estimated remaining funds due at closing
$60,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,553.15
Your down payment$48,553.15
Closing costs + prepaids$11,567.86
Total buyer cash needed$60,121.01
Remaining funds due$60,121.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,636.00
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)$157.25
Initial HOA (3 months)$147.00
Prepaid interest, first (25 days)$1,402.61
Fees + prepaids$11,567.86
Your down payment is the seller’s equity. You take over the $315,047 balance, so the rest of the $363,600 price is paid at closing. A second mortgage can cover part of it. $60,121.01 is due at closing. Uses and sources reconcile at $375,167.86 each. Not a Closing Disclosure.