Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$56,834Cash toward the purchase price.
Closing costs + prepaids$11,623Not just lender fees.
Before credits & paid funds$68,457The complete starting cash picture.
Estimated remaining funds due at closing
$68,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,833.59
Your down payment$56,833.59
Closing costs + prepaids$11,622.93
Total buyer cash needed$68,456.52
Remaining funds due$68,456.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$441.75
Initial HOA (3 months)$603.00
Prepaid interest, first (31 days)$754.18
Fees + prepaids$11,622.93
Your down payment is the seller’s equity. You take over the $303,066 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $68,456.52 is due at closing. Uses and sources reconcile at $371,522.93 each. Not a Closing Disclosure.