Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$53,002Cash toward the purchase price.
Closing costs + prepaids$12,786Not just lender fees.
Before credits & paid funds$65,789The complete starting cash picture.
Estimated remaining funds due at closing
$65,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,002.31
Your down payment$53,002.31
Closing costs + prepaids$12,786.36
Total buyer cash needed$65,788.67
Remaining funds due$65,788.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$1,019.75
Initial HOA (3 months)$761.01
Prepaid interest, first (23 days)$1,181.60
Fees + prepaids$12,786.36
Your down payment is the seller’s equity. You take over the $306,898 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $65,788.67 is due at closing. Uses and sources reconcile at $372,686.36 each. Not a Closing Disclosure.