Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$58,126Cash toward the purchase price.
Closing costs + prepaids$11,970Not just lender fees.
Before credits & paid funds$70,096The complete starting cash picture.
Estimated remaining funds due at closing
$70,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,125.79
Your down payment$58,125.79
Closing costs + prepaids$11,969.84
Total buyer cash needed$70,095.64
Remaining funds due$70,095.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$412.50
Prepaid interest, first (30 days)$1,682.34
Fees + prepaids$11,969.84
Your down payment is the seller’s equity. You take over the $306,874 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $70,095.64 is due at closing. Uses and sources reconcile at $376,969.84 each. Not a Closing Disclosure.