Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$46,575Cash toward the purchase price.
Closing costs + prepaids$10,602Not just lender fees.
Before credits & paid funds$57,176The complete starting cash picture.
Estimated remaining funds due at closing
$57,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,574.65
Your down payment$46,574.65
Closing costs + prepaids$10,601.60
Total buyer cash needed$57,176.25
Remaining funds due$57,176.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$432.00
Prepaid interest, first (6 days)$345.60
Fees + prepaids$10,601.60
Your down payment is the seller’s equity. You take over the $313,325 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $57,176.25 is due at closing. Uses and sources reconcile at $370,501.60 each. Not a Closing Disclosure.