Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$54,247Cash toward the purchase price.
Closing costs + prepaids$11,518Not just lender fees.
Before credits & paid funds$65,765The complete starting cash picture.
Estimated remaining funds due at closing
$65,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,246.83
Your down payment$54,246.83
Closing costs + prepaids$11,518.44
Total buyer cash needed$65,765.27
Remaining funds due$65,765.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$396.50
Initial HOA (3 months)$708.00
Prepaid interest, first (18 days)$488.94
Fees + prepaids$11,518.44
Your down payment is the seller’s equity. You take over the $315,753 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $65,765.27 is due at closing. Uses and sources reconcile at $381,518.44 each. Not a Closing Disclosure.