Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,175Cash toward the purchase price.
Closing costs + prepaids$11,856Not just lender fees.
Before credits & paid funds$62,030The complete starting cash picture.
Estimated remaining funds due at closing
$62,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,174.51
Your down payment$50,174.51
Closing costs + prepaids$11,855.81
Total buyer cash needed$62,030.32
Remaining funds due$62,030.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,759.99
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)$403.00
Prepaid interest, first (27 days)$1,467.82
Fees + prepaids$11,855.81
Your down payment is the seller’s equity. You take over the $325,824 balance, so the rest of the $375,999 price is paid at closing. A second mortgage can cover part of it. $62,030.32 is due at closing. Uses and sources reconcile at $387,854.81 each. Not a Closing Disclosure.