Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$43,745Cash toward the purchase price.
Closing costs + prepaids$11,986Not just lender fees.
Before credits & paid funds$55,731The complete starting cash picture.
Estimated remaining funds due at closing
$55,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,744.98
Your down payment$43,744.98
Closing costs + prepaids$11,986.03
Total buyer cash needed$55,731.01
Remaining funds due$55,731.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$653.50
Prepaid interest, first (30 days)$1,457.53
Fees + prepaids$11,986.03
Your down payment is the seller’s equity. You take over the $321,255 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $55,731.01 is due at closing. Uses and sources reconcile at $376,986.03 each. Not a Closing Disclosure.