Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,849Cash toward the purchase price.
Closing costs + prepaids$10,072Not just lender fees.
Before credits & paid funds$57,921The complete starting cash picture.
Estimated remaining funds due at closing
$57,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,849.42
Your down payment$47,849.42
Closing costs + prepaids$10,071.63
Total buyer cash needed$57,921.05
Remaining funds due$57,921.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$133.00
Prepaid interest, first (1 days)$64.63
Fees + prepaids$10,071.63
Your down payment is the seller’s equity. You take over the $317,051 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $57,921.05 is due at closing. Uses and sources reconcile at $374,971.63 each. Not a Closing Disclosure.