Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$59,985Cash toward the purchase price.
Closing costs + prepaids$11,188Not just lender fees.
Before credits & paid funds$71,172The complete starting cash picture.
Estimated remaining funds due at closing
$71,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,984.63
Your down payment$59,984.63
Closing costs + prepaids$11,187.53
Total buyer cash needed$71,172.15
Remaining funds due$71,172.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.90
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)$432.00
Initial HOA (3 months)$375.00
Prepaid interest, first (10 days)$555.63
Fees + prepaids$11,187.53
Your down payment is the seller’s equity. You take over the $300,005 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $71,172.15 is due at closing. Uses and sources reconcile at $371,177.53 each. Not a Closing Disclosure.