Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$56,643Cash toward the purchase price.
Closing costs + prepaids$12,333Not just lender fees.
Before credits & paid funds$68,976The complete starting cash picture.
Estimated remaining funds due at closing
$68,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,643.06
Your down payment$56,643.06
Closing costs + prepaids$12,332.92
Total buyer cash needed$68,975.98
Remaining funds due$68,975.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,520.00
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)$976.00
Prepaid interest, first (30 days)$1,611.92
Fees + prepaids$12,332.92
Your down payment is the seller’s equity. You take over the $295,357 balance, so the rest of the $352,000 price is paid at closing. A second mortgage can cover part of it. $68,975.98 is due at closing. Uses and sources reconcile at $364,332.92 each. Not a Closing Disclosure.