Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$54,761Cash toward the purchase price.
Closing costs + prepaids$13,381Not just lender fees.
Before credits & paid funds$68,142The complete starting cash picture.
Estimated remaining funds due at closing
$68,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,760.64
Your down payment$54,760.64
Closing costs + prepaids$13,381.07
Total buyer cash needed$68,141.71
Remaining funds due$68,141.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,555.00
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)$1,917.75
Prepaid interest, first (30 days)$1,683.32
Fees + prepaids$13,381.07
Your down payment is the seller’s equity. You take over the $300,739 balance, so the rest of the $355,500 price is paid at closing. A second mortgage can cover part of it. $68,141.71 is due at closing. Uses and sources reconcile at $368,881.07 each. Not a Closing Disclosure.