Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,353Cash toward the purchase price.
Closing costs + prepaids$11,402Not just lender fees.
Before credits & paid funds$74,756The complete starting cash picture.
Estimated remaining funds due at closing
$74,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,353.41
Your down payment$63,353.41
Closing costs + prepaids$11,402.12
Total buyer cash needed$74,755.53
Remaining funds due$74,755.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,110.16
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)$725.00
Initial HOA (3 months)$120.00
Prepaid interest, first (27 days)$1,221.96
Fees + prepaids$11,402.12
Your down payment is the seller’s equity. You take over the $247,663 balance, so the rest of the $311,016 price is paid at closing. A second mortgage can cover part of it. $74,755.53 is due at closing. Uses and sources reconcile at $322,418.12 each. Not a Closing Disclosure.