Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$54,190Cash toward the purchase price.
Closing costs + prepaids$11,296Not just lender fees.
Before credits & paid funds$65,486The complete starting cash picture.
Estimated remaining funds due at closing
$65,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,189.63
Your down payment$54,189.63
Closing costs + prepaids$11,295.91
Total buyer cash needed$65,485.55
Remaining funds due$65,485.55
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)$362.75
Prepaid interest, first (23 days)$1,158.16
Fees + prepaids$11,295.91
Your down payment is the seller’s equity. You take over the $300,810 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $65,485.55 is due at closing. Uses and sources reconcile at $366,295.91 each. Not a Closing Disclosure.