Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$53,882Cash toward the purchase price.
Closing costs + prepaids$10,309Not just lender fees.
Before credits & paid funds$64,190The complete starting cash picture.
Estimated remaining funds due at closing
$64,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,881.50
Your down payment$53,881.50
Closing costs + prepaids$10,308.55
Total buyer cash needed$64,190.06
Remaining funds due$64,190.06
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)$362.75
Initial HOA (3 months)$69.99
Prepaid interest, first (2 days)$100.81
Fees + prepaids$10,308.55
Your down payment is the seller’s equity. You take over the $301,118 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $64,190.06 is due at closing. Uses and sources reconcile at $365,308.55 each. Not a Closing Disclosure.