Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$53,805Cash toward the purchase price.
Closing costs + prepaids$10,506Not just lender fees.
Before credits & paid funds$64,311The complete starting cash picture.
Estimated remaining funds due at closing
$64,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,804.81
Your down payment$53,804.81
Closing costs + prepaids$10,506.02
Total buyer cash needed$64,310.83
Remaining funds due$64,310.83
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)$426.25
Prepaid interest, first (12 days)$302.27
Fees + prepaids$10,506.02
Your down payment is the seller’s equity. You take over the $301,445 balance, so the rest of the $355,250 price is paid at closing. A second mortgage can cover part of it. $64,310.83 is due at closing. Uses and sources reconcile at $365,756.02 each. Not a Closing Disclosure.