Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,142Cash toward the purchase price.
Closing costs + prepaids$12,235Not just lender fees.
Before credits & paid funds$62,376The complete starting cash picture.
Estimated remaining funds due at closing
$62,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,141.57
Your down payment$50,141.57
Closing costs + prepaids$12,234.55
Total buyer cash needed$62,376.12
Remaining funds due$62,376.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$812.00
Prepaid interest, first (26 days)$1,547.55
Fees + prepaids$12,234.55
Your down payment is the seller’s equity. You take over the $314,858 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $62,376.12 is due at closing. Uses and sources reconcile at $377,234.55 each. Not a Closing Disclosure.