Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,150Cash toward the purchase price.
Closing costs + prepaids$12,009Not just lender fees.
Before credits & paid funds$60,158The complete starting cash picture.
Estimated remaining funds due at closing
$60,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,149.67
Your down payment$48,149.67
Closing costs + prepaids$12,008.51
Total buyer cash needed$60,158.19
Remaining funds due$60,158.19
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 (31 days)$2,001.51
Fees + prepaids$12,008.51
Your down payment is the seller’s equity. You take over the $316,750 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $60,158.19 is due at closing. Uses and sources reconcile at $376,908.51 each. Not a Closing Disclosure.