Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,147Cash toward the purchase price.
Closing costs + prepaids$13,898Not just lender fees.
Before credits & paid funds$69,045The complete starting cash picture.
Estimated remaining funds due at closing
$69,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,146.90
Your down payment$55,146.90
Closing costs + prepaids$13,897.89
Total buyer cash needed$69,044.79
Remaining funds due$69,044.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$925.00
Initial HOA (3 months)$1,578.00
Prepaid interest, first (24 days)$1,469.89
Fees + prepaids$13,897.89
Your down payment is the seller’s equity. You take over the $314,853 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $69,044.79 is due at closing. Uses and sources reconcile at $383,897.89 each. Not a Closing Disclosure.