Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$57,697Cash toward the purchase price.
Closing costs + prepaids$12,148Not just lender fees.
Before credits & paid funds$69,846The complete starting cash picture.
Estimated remaining funds due at closing
$69,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,697.06
Your down payment$57,697.06
Closing costs + prepaids$12,148.47
Total buyer cash needed$69,845.54
Remaining funds due$69,845.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.99
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)$319.00
Initial HOA (3 months)$705.00
Prepaid interest, first (30 days)$1,299.48
Fees + prepaids$12,148.47
Your down payment is the seller’s equity. You take over the $302,302 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $69,845.54 is due at closing. Uses and sources reconcile at $372,147.47 each. Not a Closing Disclosure.