Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,056Cash toward the purchase price.
Closing costs + prepaids$10,111Not just lender fees.
Before credits & paid funds$57,167The complete starting cash picture.
Estimated remaining funds due at closing
$57,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,056.15
Your down payment$47,056.15
Closing costs + prepaids$10,111.22
Total buyer cash needed$57,167.37
Remaining funds due$57,167.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$190.75
Prepaid interest, first (1 days)$45.47
Fees + prepaids$10,111.22
Your down payment is the seller’s equity. You take over the $317,944 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $57,167.37 is due at closing. Uses and sources reconcile at $375,111.22 each. Not a Closing Disclosure.