Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$44,454Cash toward the purchase price.
Closing costs + prepaids$10,940Not just lender fees.
Before credits & paid funds$55,393The complete starting cash picture.
Estimated remaining funds due at closing
$55,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,453.56
Your down payment$44,453.56
Closing costs + prepaids$10,939.88
Total buyer cash needed$55,393.44
Remaining funds due$55,393.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$284.25
Prepaid interest, first (29 days)$781.63
Fees + prepaids$10,939.88
Your down payment is the seller’s equity. You take over the $320,446 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $55,393.44 is due at closing. Uses and sources reconcile at $375,839.88 each. Not a Closing Disclosure.