Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$59,642Cash toward the purchase price.
Closing costs + prepaids$10,922Not just lender fees.
Before credits & paid funds$70,564The complete starting cash picture.
Estimated remaining funds due at closing
$70,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,642.13
Your down payment$59,642.13
Closing costs + prepaids$10,922.16
Total buyer cash needed$70,564.29
Remaining funds due$70,564.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,559.00
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)$445.00
Prepaid interest, first (14 days)$693.16
Fees + prepaids$10,922.16
Your down payment is the seller’s equity. You take over the $296,258 balance, so the rest of the $355,900 price is paid at closing. A second mortgage can cover part of it. $70,564.29 is due at closing. Uses and sources reconcile at $366,822.16 each. Not a Closing Disclosure.