Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$60,553Cash toward the purchase price.
Closing costs + prepaids$12,443Not just lender fees.
Before credits & paid funds$72,995The complete starting cash picture.
Estimated remaining funds due at closing
$72,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,552.86
Your down payment$60,552.86
Closing costs + prepaids$12,442.53
Total buyer cash needed$72,995.39
Remaining funds due$72,995.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$1,156.00
Prepaid interest, first (30 days)$1,371.53
Fees + prepaids$12,442.53
Your down payment is the seller’s equity. You take over the $308,447 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $72,995.39 is due at closing. Uses and sources reconcile at $381,442.53 each. Not a Closing Disclosure.