Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$55,026Cash toward the purchase price.
Closing costs + prepaids$10,997Not just lender fees.
Before credits & paid funds$66,023The complete starting cash picture.
Estimated remaining funds due at closing
$66,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,026.14
Your down payment$55,026.14
Closing costs + prepaids$10,996.76
Total buyer cash needed$66,022.90
Remaining funds due$66,022.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,538.00
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)$442.25
Initial HOA (3 months)$81.00
Prepaid interest, first (14 days)$710.51
Fees + prepaids$10,996.76
Your down payment is the seller’s equity. You take over the $298,774 balance, so the rest of the $353,800 price is paid at closing. A second mortgage can cover part of it. $66,022.90 is due at closing. Uses and sources reconcile at $364,796.76 each. Not a Closing Disclosure.