Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$46,721Cash toward the purchase price.
Closing costs + prepaids$11,558Not just lender fees.
Before credits & paid funds$58,280The complete starting cash picture.
Estimated remaining funds due at closing
$58,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,721.16
Your down payment$46,721.16
Closing costs + prepaids$11,558.45
Total buyer cash needed$58,279.61
Remaining funds due$58,279.61
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)$217.75
Prepaid interest, first (24 days)$1,415.70
Fees + prepaids$11,558.45
Your down payment is the seller’s equity. You take over the $323,279 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $58,279.61 is due at closing. Uses and sources reconcile at $381,558.45 each. Not a Closing Disclosure.