Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$59,283Cash toward the purchase price.
Closing costs + prepaids$12,532Not just lender fees.
Before credits & paid funds$71,815The complete starting cash picture.
Estimated remaining funds due at closing
$71,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,282.94
Your down payment$59,282.94
Closing costs + prepaids$12,531.92
Total buyer cash needed$71,814.86
Remaining funds due$71,814.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,645.00
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)$941.50
Prepaid interest, first (27 days)$1,720.42
Fees + prepaids$12,531.92
Your down payment is the seller’s equity. You take over the $305,217 balance, so the rest of the $364,500 price is paid at closing. A second mortgage can cover part of it. $71,814.86 is due at closing. Uses and sources reconcile at $377,031.92 each. Not a Closing Disclosure.