Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$45,722Cash toward the purchase price.
Closing costs + prepaids$10,962Not just lender fees.
Before credits & paid funds$56,684The complete starting cash picture.
Estimated remaining funds due at closing
$56,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,722.03
Your down payment$45,722.03
Closing costs + prepaids$10,961.79
Total buyer cash needed$56,683.82
Remaining funds due$56,683.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,570.00
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)$140.00
Prepaid interest, first (20 days)$1,026.79
Fees + prepaids$10,961.79
Your down payment is the seller’s equity. You take over the $311,278 balance, so the rest of the $357,000 price is paid at closing. A second mortgage can cover part of it. $56,683.82 is due at closing. Uses and sources reconcile at $367,961.79 each. Not a Closing Disclosure.