Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,309Cash toward the purchase price.
Closing costs + prepaids$9,986Not just lender fees.
Before credits & paid funds$55,296The complete starting cash picture.
Estimated remaining funds due at closing
$55,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,309.33
Your down payment$45,309.33
Closing costs + prepaids$9,986.41
Total buyer cash needed$55,295.74
Remaining funds due$55,295.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,570.00
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)$140.00
Prepaid interest, first (1 days)$51.41
Fees + prepaids$9,986.41
Your down payment is the seller’s equity. You take over the $311,691 balance, so the rest of the $357,000 price is paid at closing. A second mortgage can cover part of it. $55,295.74 is due at closing. Uses and sources reconcile at $366,986.41 each. Not a Closing Disclosure.