Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$57,026Cash toward the purchase price.
Closing costs + prepaids$11,368Not just lender fees.
Before credits & paid funds$68,394The complete starting cash picture.
Estimated remaining funds due at closing
$68,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,026.14
Your down payment$57,026.14
Closing costs + prepaids$11,368.27
Total buyer cash needed$68,394.41
Remaining funds due$68,394.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,558.00
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)$286.25
Initial HOA (3 months)$81.00
Prepaid interest, first (24 days)$1,218.02
Fees + prepaids$11,368.27
Your down payment is the seller’s equity. You take over the $298,774 balance, so the rest of the $355,800 price is paid at closing. A second mortgage can cover part of it. $68,394.41 is due at closing. Uses and sources reconcile at $367,168.27 each. Not a Closing Disclosure.