Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$51,642Cash toward the purchase price.
Closing costs + prepaids$11,772Not just lender fees.
Before credits & paid funds$63,414The complete starting cash picture.
Estimated remaining funds due at closing
$63,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,642.03
Your down payment$51,642.03
Closing costs + prepaids$11,772.39
Total buyer cash needed$63,414.42
Remaining funds due$63,414.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$462.50
Initial HOA (3 months)$579.00
Prepaid interest, first (14 days)$806.89
Fees + prepaids$11,772.39
Your down payment is the seller’s equity. You take over the $318,258 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $63,414.42 is due at closing. Uses and sources reconcile at $381,672.39 each. Not a Closing Disclosure.