Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$53,850Cash toward the purchase price.
Closing costs + prepaids$12,782Not just lender fees.
Before credits & paid funds$66,632The complete starting cash picture.
Estimated remaining funds due at closing
$66,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,849.63
Your down payment$53,849.63
Closing costs + prepaids$12,781.95
Total buyer cash needed$66,631.57
Remaining funds due$66,631.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,680.00
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)$1,148.00
Prepaid interest, first (31 days)$1,728.95
Fees + prepaids$12,781.95
Your down payment is the seller’s equity. You take over the $314,150 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $66,631.57 is due at closing. Uses and sources reconcile at $380,781.95 each. Not a Closing Disclosure.