Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$62,352Cash toward the purchase price.
Closing costs + prepaids$11,492Not just lender fees.
Before credits & paid funds$73,843The complete starting cash picture.
Estimated remaining funds due at closing
$73,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,351.79
Your down payment$62,351.79
Closing costs + prepaids$11,491.51
Total buyer cash needed$73,843.30
Remaining funds due$73,843.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.90
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)$780.75
Initial HOA (3 months)$249.00
Prepaid interest, first (22 days)$636.86
Fees + prepaids$11,491.51
Your down payment is the seller’s equity. You take over the $297,638 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $73,843.30 is due at closing. Uses and sources reconcile at $371,481.51 each. Not a Closing Disclosure.