Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$56,400Cash toward the purchase price.
Closing costs + prepaids$12,641Not just lender fees.
Before credits & paid funds$69,042The complete starting cash picture.
Estimated remaining funds due at closing
$69,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,400.48
Your down payment$56,400.48
Closing costs + prepaids$12,641.29
Total buyer cash needed$69,041.77
Remaining funds due$69,041.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$1,362.75
Prepaid interest, first (23 days)$1,304.54
Fees + prepaids$12,641.29
Your down payment is the seller’s equity. You take over the $318,500 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $69,041.77 is due at closing. Uses and sources reconcile at $387,541.29 each. Not a Closing Disclosure.