Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$53,024Cash toward the purchase price.
Closing costs + prepaids$11,904Not just lender fees.
Before credits & paid funds$64,928The complete starting cash picture.
Estimated remaining funds due at closing
$64,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,023.99
Your down payment$53,023.99
Closing costs + prepaids$11,904.28
Total buyer cash needed$64,928.27
Remaining funds due$64,928.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$1,156.00
Prepaid interest, first (22 days)$923.28
Fees + prepaids$11,904.28
Your down payment is the seller’s equity. You take over the $306,976 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $64,928.27 is due at closing. Uses and sources reconcile at $371,904.28 each. Not a Closing Disclosure.