Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$49,004Cash toward the purchase price.
Closing costs + prepaids$12,176Not just lender fees.
Before credits & paid funds$61,180The complete starting cash picture.
Estimated remaining funds due at closing
$61,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,004.38
Your down payment$49,004.38
Closing costs + prepaids$12,175.78
Total buyer cash needed$61,180.16
Remaining funds due$61,180.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$600.00
Prepaid interest, first (28 days)$1,651.78
Fees + prepaids$12,175.78
Your down payment is the seller’s equity. You take over the $320,896 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $61,180.16 is due at closing. Uses and sources reconcile at $382,075.78 each. Not a Closing Disclosure.