Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$55,650Cash toward the purchase price.
Closing costs + prepaids$12,983Not just lender fees.
Before credits & paid funds$68,633The complete starting cash picture.
Estimated remaining funds due at closing
$68,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,649.64
Your down payment$55,649.64
Closing costs + prepaids$12,983.01
Total buyer cash needed$68,632.64
Remaining funds due$68,632.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$1,298.75
Initial HOA (3 months)$350.01
Prepaid interest, first (28 days)$1,559.25
Fees + prepaids$12,983.01
Your down payment is the seller’s equity. You take over the $299,350 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $68,632.64 is due at closing. Uses and sources reconcile at $367,983.01 each. Not a Closing Disclosure.