Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$56,931Cash toward the purchase price.
Closing costs + prepaids$12,130Not just lender fees.
Before credits & paid funds$69,060The complete starting cash picture.
Estimated remaining funds due at closing
$69,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,930.60
Your down payment$56,930.60
Closing costs + prepaids$12,129.50
Total buyer cash needed$69,060.10
Remaining funds due$69,060.10
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)$912.50
Prepaid interest, first (30 days)$1,342.00
Fees + prepaids$12,129.50
Your down payment is the seller’s equity. You take over the $308,069 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $69,060.10 is due at closing. Uses and sources reconcile at $377,129.50 each. Not a Closing Disclosure.