Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$49,262Cash toward the purchase price.
Closing costs + prepaids$12,233Not just lender fees.
Before credits & paid funds$61,495The complete starting cash picture.
Estimated remaining funds due at closing
$61,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,262.07
Your down payment$49,262.07
Closing costs + prepaids$12,233.06
Total buyer cash needed$61,495.13
Remaining funds due$61,495.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,730.00
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)$635.25
Prepaid interest, first (27 days)$1,642.81
Fees + prepaids$12,233.06
Your down payment is the seller’s equity. You take over the $323,738 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $61,495.13 is due at closing. Uses and sources reconcile at $385,233.06 each. Not a Closing Disclosure.