Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$53,135Cash toward the purchase price.
Closing costs + prepaids$10,222Not just lender fees.
Before credits & paid funds$63,357The complete starting cash picture.
Estimated remaining funds due at closing
$63,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,135.34
Your down payment$53,135.34
Closing costs + prepaids$10,221.99
Total buyer cash needed$63,357.33
Remaining funds due$63,357.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,552.50
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)$394.00
Prepaid interest, first (2 days)$50.49
Fees + prepaids$10,221.99
Your down payment is the seller’s equity. You take over the $302,115 balance, so the rest of the $355,250 price is paid at closing. A second mortgage can cover part of it. $63,357.33 is due at closing. Uses and sources reconcile at $365,471.99 each. Not a Closing Disclosure.