Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$64,506Cash toward the purchase price.
Closing costs + prepaids$12,144Not just lender fees.
Before credits & paid funds$76,650The complete starting cash picture.
Estimated remaining funds due at closing
$76,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,506.14
Your down payment$64,506.14
Closing costs + prepaids$12,143.66
Total buyer cash needed$76,649.81
Remaining funds due$76,649.81
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)$283.25
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$1,725.41
Fees + prepaids$12,143.66
Your down payment is the seller’s equity. You take over the $305,494 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $76,649.81 is due at closing. Uses and sources reconcile at $382,143.66 each. Not a Closing Disclosure.