Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$56,400Cash toward the purchase price.
Closing costs + prepaids$11,214Not just lender fees.
Before credits & paid funds$67,614The complete starting cash picture.
Estimated remaining funds due at closing
$67,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,400.48
Your down payment$56,400.48
Closing costs + prepaids$11,213.60
Total buyer cash needed$67,614.08
Remaining funds due$67,614.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$956.00
Prepaid interest, first (5 days)$283.60
Fees + prepaids$11,213.60
Your down payment is the seller’s equity. You take over the $318,500 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $67,614.08 is due at closing. Uses and sources reconcile at $386,113.60 each. Not a Closing Disclosure.