Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$54,732Cash toward the purchase price.
Closing costs + prepaids$11,746Not just lender fees.
Before credits & paid funds$66,479The complete starting cash picture.
Estimated remaining funds due at closing
$66,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,732.45
Your down payment$54,732.45
Closing costs + prepaids$11,746.35
Total buyer cash needed$66,478.79
Remaining funds due$66,478.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$975.50
Initial HOA (3 months)$939.00
Prepaid interest, first (1 days)$56.85
Fees + prepaids$11,746.35
Your down payment is the seller’s equity. You take over the $300,268 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $66,478.79 is due at closing. Uses and sources reconcile at $366,746.35 each. Not a Closing Disclosure.