Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$57,064Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$68,152The complete starting cash picture.
Estimated remaining funds due at closing
$68,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,064.09
Your down payment$57,064.09
Closing costs + prepaids$11,087.51
Total buyer cash needed$68,151.60
Remaining funds due$68,151.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$443.75
Prepaid interest, first (17 days)$869.76
Fees + prepaids$11,087.51
Your down payment is the seller’s equity. You take over the $297,836 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $68,151.60 is due at closing. Uses and sources reconcile at $365,987.51 each. Not a Closing Disclosure.