Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$61,213Cash toward the purchase price.
Closing costs + prepaids$10,929Not just lender fees.
Before credits & paid funds$72,142The complete starting cash picture.
Estimated remaining funds due at closing
$72,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,213.21
Your down payment$61,213.21
Closing costs + prepaids$10,928.88
Total buyer cash needed$72,142.09
Remaining funds due$72,142.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.99
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)$438.00
Initial HOA (3 months)$132.00
Prepaid interest, first (9 days)$483.89
Fees + prepaids$10,928.88
Your down payment is the seller’s equity. You take over the $303,786 balance, so the rest of the $364,999 price is paid at closing. A second mortgage can cover part of it. $72,142.09 is due at closing. Uses and sources reconcile at $375,927.88 each. Not a Closing Disclosure.