Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,920Cash toward the purchase price.
Closing costs + prepaids$11,591Not just lender fees.
Before credits & paid funds$67,512The complete starting cash picture.
Estimated remaining funds due at closing
$67,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,920.26
Your down payment$55,920.26
Closing costs + prepaids$11,591.29
Total buyer cash needed$67,511.54
Remaining funds due$67,511.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$270.50
Prepaid interest, first (27 days)$1,446.79
Fees + prepaids$11,591.29
Your down payment is the seller’s equity. You take over the $308,980 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $67,511.54 is due at closing. Uses and sources reconcile at $376,491.29 each. Not a Closing Disclosure.