Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$60,388Cash toward the purchase price.
Closing costs + prepaids$11,101Not just lender fees.
Before credits & paid funds$71,490The complete starting cash picture.
Estimated remaining funds due at closing
$71,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,388.41
Your down payment$60,388.41
Closing costs + prepaids$11,101.18
Total buyer cash needed$71,489.59
Remaining funds due$71,489.59
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)$930.75
Prepaid interest, first (5 days)$295.43
Fees + prepaids$11,101.18
Your down payment is the seller’s equity. You take over the $304,612 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $71,489.59 is due at closing. Uses and sources reconcile at $376,101.18 each. Not a Closing Disclosure.