Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$49,339Cash toward the purchase price.
Closing costs + prepaids$11,332Not just lender fees.
Before credits & paid funds$60,671The complete starting cash picture.
Estimated remaining funds due at closing
$60,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,339.34
Your down payment$49,339.34
Closing costs + prepaids$11,331.68
Total buyer cash needed$60,671.02
Remaining funds due$60,671.02
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)$781.25
Prepaid interest, first (22 days)$675.43
Fees + prepaids$11,331.68
Your down payment is the seller’s equity. You take over the $315,661 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $60,671.02 is due at closing. Uses and sources reconcile at $376,331.68 each. Not a Closing Disclosure.