Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$46,723Cash toward the purchase price.
Closing costs + prepaids$12,291Not just lender fees.
Before credits & paid funds$59,014The complete starting cash picture.
Estimated remaining funds due at closing
$59,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,722.55
Your down payment$46,722.55
Closing costs + prepaids$12,291.28
Total buyer cash needed$59,013.83
Remaining funds due$59,013.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,685.00
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)$951.00
Prepaid interest, first (26 days)$1,430.28
Fees + prepaids$12,291.28
Your down payment is the seller’s equity. You take over the $321,777 balance, so the rest of the $368,500 price is paid at closing. A second mortgage can cover part of it. $59,013.83 is due at closing. Uses and sources reconcile at $380,791.28 each. Not a Closing Disclosure.