Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$57,697Cash toward the purchase price.
Closing costs + prepaids$11,802Not just lender fees.
Before credits & paid funds$69,499The complete starting cash picture.
Estimated remaining funds due at closing
$69,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,697.06
Your down payment$57,697.06
Closing costs + prepaids$11,801.95
Total buyer cash needed$69,499.01
Remaining funds due$69,499.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.99
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)$319.00
Initial HOA (3 months)$705.00
Prepaid interest, first (22 days)$952.96
Fees + prepaids$11,801.95
Your down payment is the seller’s equity. You take over the $302,302 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $69,499.01 is due at closing. Uses and sources reconcile at $371,800.95 each. Not a Closing Disclosure.