Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$56,154Cash toward the purchase price.
Closing costs + prepaids$10,776Not just lender fees.
Before credits & paid funds$66,931The complete starting cash picture.
Estimated remaining funds due at closing
$66,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,154.50
Your down payment$56,154.50
Closing costs + prepaids$10,776.42
Total buyer cash needed$66,930.92
Remaining funds due$66,930.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$444.00
Initial HOA (3 months)$183.00
Prepaid interest, first (9 days)$224.42
Fees + prepaids$10,776.42
Your down payment is the seller’s equity. You take over the $313,846 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $66,930.92 is due at closing. Uses and sources reconcile at $380,776.42 each. Not a Closing Disclosure.