Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$45,360Cash toward the purchase price.
Closing costs + prepaids$11,178Not just lender fees.
Before credits & paid funds$56,538The complete starting cash picture.
Estimated remaining funds due at closing
$56,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,360.33
Your down payment$45,360.33
Closing costs + prepaids$11,178.01
Total buyer cash needed$56,538.34
Remaining funds due$56,538.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$943.25
Prepaid interest, first (5 days)$310.76
Fees + prepaids$11,178.01
Your down payment is the seller’s equity. You take over the $324,540 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $56,538.34 is due at closing. Uses and sources reconcile at $381,078.01 each. Not a Closing Disclosure.