Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$57,487Cash toward the purchase price.
Closing costs + prepaids$11,636Not just lender fees.
Before credits & paid funds$69,123The complete starting cash picture.
Estimated remaining funds due at closing
$69,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,486.58
Your down payment$57,486.58
Closing costs + prepaids$11,635.95
Total buyer cash needed$69,122.53
Remaining funds due$69,122.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$382.75
Prepaid interest, first (20 days)$1,228.20
Fees + prepaids$11,635.95
Your down payment is the seller’s equity. You take over the $322,513 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $69,122.53 is due at closing. Uses and sources reconcile at $391,635.95 each. Not a Closing Disclosure.