Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$64,703Cash toward the purchase price.
Closing costs + prepaids$12,286Not just lender fees.
Before credits & paid funds$76,989The complete starting cash picture.
Estimated remaining funds due at closing
$76,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,703.06
Your down payment$64,703.06
Closing costs + prepaids$12,285.66
Total buyer cash needed$76,988.73
Remaining funds due$76,988.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$1,094.75
Initial HOA (3 months)$83.01
Prepaid interest, first (25 days)$1,283.90
Fees + prepaids$12,285.66
Your down payment is the seller’s equity. You take over the $295,197 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $76,988.73 is due at closing. Uses and sources reconcile at $372,185.66 each. Not a Closing Disclosure.