Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$58,543Cash toward the purchase price.
Closing costs + prepaids$12,396Not just lender fees.
Before credits & paid funds$70,939The complete starting cash picture.
Estimated remaining funds due at closing
$70,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,542.63
Your down payment$58,542.63
Closing costs + prepaids$12,395.94
Total buyer cash needed$70,938.57
Remaining funds due$70,938.57
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)$925.00
Prepaid interest, first (27 days)$1,545.94
Fees + prepaids$12,395.94
Your down payment is the seller’s equity. You take over the $311,457 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $70,938.57 is due at closing. Uses and sources reconcile at $382,395.94 each. Not a Closing Disclosure.