Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$47,624Cash toward the purchase price.
Closing costs + prepaids$11,094Not just lender fees.
Before credits & paid funds$58,718The complete starting cash picture.
Estimated remaining funds due at closing
$58,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,624.05
Your down payment$47,624.05
Closing costs + prepaids$11,094.15
Total buyer cash needed$58,718.20
Remaining funds due$58,718.20
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)$551.25
Prepaid interest, first (22 days)$617.90
Fees + prepaids$11,094.15
Your down payment is the seller’s equity. You take over the $322,376 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $58,718.20 is due at closing. Uses and sources reconcile at $381,094.15 each. Not a Closing Disclosure.