Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$51,238Cash toward the purchase price.
Closing costs + prepaids$11,997Not just lender fees.
Before credits & paid funds$63,234The complete starting cash picture.
Estimated remaining funds due at closing
$63,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,237.59
Your down payment$51,237.59
Closing costs + prepaids$11,996.60
Total buyer cash needed$63,234.19
Remaining funds due$63,234.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$307.25
Prepaid interest, first (30 days)$1,724.35
Fees + prepaids$11,996.60
Your down payment is the seller’s equity. You take over the $322,762 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $63,234.19 is due at closing. Uses and sources reconcile at $385,996.60 each. Not a Closing Disclosure.