Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,949Cash toward the purchase price.
Closing costs + prepaids$10,404Not just lender fees.
Before credits & paid funds$61,353The complete starting cash picture.
Estimated remaining funds due at closing
$61,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,949.47
Your down payment$50,949.47
Closing costs + prepaids$10,403.64
Total buyer cash needed$61,353.12
Remaining funds due$61,353.12
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 (1 days)$58.89
Fees + prepaids$10,403.64
Your down payment is the seller’s equity. You take over the $304,051 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $61,353.12 is due at closing. Uses and sources reconcile at $365,403.64 each. Not a Closing Disclosure.