Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$53,651Cash toward the purchase price.
Closing costs + prepaids$11,086Not just lender fees.
Before credits & paid funds$64,736The complete starting cash picture.
Estimated remaining funds due at closing
$64,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,650.73
Your down payment$53,650.73
Closing costs + prepaids$11,085.72
Total buyer cash needed$64,736.45
Remaining funds due$64,736.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$646.75
Initial HOA (3 months)$504.00
Prepaid interest, first (1 days)$59.97
Fees + prepaids$11,085.72
Your down payment is the seller’s equity. You take over the $311,349 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $64,736.45 is due at closing. Uses and sources reconcile at $376,085.72 each. Not a Closing Disclosure.