Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$46,432Cash toward the purchase price.
Closing costs + prepaids$11,183Not just lender fees.
Before credits & paid funds$57,615The complete starting cash picture.
Estimated remaining funds due at closing
$57,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,432.02
Your down payment$46,432.02
Closing costs + prepaids$11,182.70
Total buyer cash needed$57,614.73
Remaining funds due$57,614.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,697.00
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)$942.75
Prepaid interest, first (5 days)$317.95
Fees + prepaids$11,182.70
Your down payment is the seller’s equity. You take over the $323,268 balance, so the rest of the $369,700 price is paid at closing. A second mortgage can cover part of it. $57,614.73 is due at closing. Uses and sources reconcile at $380,882.70 each. Not a Closing Disclosure.