Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$51,195Cash toward the purchase price.
Closing costs + prepaids$12,692Not just lender fees.
Before credits & paid funds$63,888The complete starting cash picture.
Estimated remaining funds due at closing
$63,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,195.37
Your down payment$51,195.37
Closing costs + prepaids$12,692.30
Total buyer cash needed$63,887.67
Remaining funds due$63,887.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,565.00
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)$1,145.75
Prepaid interest, first (28 days)$1,756.55
Fees + prepaids$12,692.30
Your down payment is the seller’s equity. You take over the $305,305 balance, so the rest of the $356,500 price is paid at closing. A second mortgage can cover part of it. $63,887.67 is due at closing. Uses and sources reconcile at $369,192.30 each. Not a Closing Disclosure.