Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$50,863Cash toward the purchase price.
Closing costs + prepaids$11,500Not just lender fees.
Before credits & paid funds$62,363The complete starting cash picture.
Estimated remaining funds due at closing
$62,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,862.85
Your down payment$50,862.85
Closing costs + prepaids$11,500.46
Total buyer cash needed$62,363.31
Remaining funds due$62,363.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,819.97
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)$458.50
Initial HOA (3 months)$420.00
Prepaid interest, first (10 days)$576.99
Fees + prepaids$11,500.46
Your down payment is the seller’s equity. You take over the $331,134 balance, so the rest of the $381,997 price is paid at closing. A second mortgage can cover part of it. $62,363.31 is due at closing. Uses and sources reconcile at $393,497.46 each. Not a Closing Disclosure.