Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,653Cash toward the purchase price.
Closing costs + prepaids$12,049Not just lender fees.
Before credits & paid funds$41,702The complete starting cash picture.
Estimated remaining funds due at closing
$41,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,653.44
Your down payment$29,653.44
Closing costs + prepaids$12,048.70
Total buyer cash needed$41,702.14
Remaining funds due$41,702.14
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)$34.25
Initial HOA (3 months)$291.00
Prepaid interest, first (31 days)$1,848.45
Fees + prepaids$12,048.70
Your down payment is the seller’s equity. You take over the $335,347 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $41,702.14 is due at closing. Uses and sources reconcile at $377,048.70 each. Not a Closing Disclosure.