Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$57,526Cash toward the purchase price.
Closing costs + prepaids$12,508Not just lender fees.
Before credits & paid funds$70,034The complete starting cash picture.
Estimated remaining funds due at closing
$70,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,526.26
Your down payment$57,526.26
Closing costs + prepaids$12,507.68
Total buyer cash needed$70,033.94
Remaining funds due$70,033.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$922.50
Prepaid interest, first (28 days)$1,670.18
Fees + prepaids$12,507.68
Your down payment is the seller’s equity. You take over the $311,474 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $70,033.94 is due at closing. Uses and sources reconcile at $381,507.68 each. Not a Closing Disclosure.