Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$51,263Cash toward the purchase price.
Closing costs + prepaids$11,933Not just lender fees.
Before credits & paid funds$63,197The complete starting cash picture.
Estimated remaining funds due at closing
$63,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,263.31
Your down payment$51,263.31
Closing costs + prepaids$11,933.25
Total buyer cash needed$63,196.56
Remaining funds due$63,196.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$365.75
Initial HOA (3 months)$204.00
Prepaid interest, first (27 days)$1,588.50
Fees + prepaids$11,933.25
Your down payment is the seller’s equity. You take over the $303,737 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $63,196.56 is due at closing. Uses and sources reconcile at $366,933.25 each. Not a Closing Disclosure.