Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$56,854Cash toward the purchase price.
Closing costs + prepaids$11,382Not just lender fees.
Before credits & paid funds$68,236The complete starting cash picture.
Estimated remaining funds due at closing
$68,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,854.36
Your down payment$56,854.36
Closing costs + prepaids$11,381.58
Total buyer cash needed$68,235.94
Remaining funds due$68,235.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$403.50
Initial HOA (3 months)$246.00
Prepaid interest, first (30 days)$758.08
Fees + prepaids$11,381.58
Your down payment is the seller’s equity. You take over the $318,046 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $68,235.94 is due at closing. Uses and sources reconcile at $386,281.58 each. Not a Closing Disclosure.