Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$52,270Cash toward the purchase price.
Closing costs + prepaids$12,069Not just lender fees.
Before credits & paid funds$64,339The complete starting cash picture.
Estimated remaining funds due at closing
$64,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,269.85
Your down payment$52,269.85
Closing costs + prepaids$12,069.31
Total buyer cash needed$64,339.16
Remaining funds due$64,339.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,530.00
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)$882.50
Initial HOA (3 months)$453.00
Prepaid interest, first (18 days)$978.81
Fees + prepaids$12,069.31
Your down payment is the seller’s equity. You take over the $300,730 balance, so the rest of the $353,000 price is paid at closing. A second mortgage can cover part of it. $64,339.16 is due at closing. Uses and sources reconcile at $365,069.31 each. Not a Closing Disclosure.