Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,060Cash toward the purchase price.
Closing costs + prepaids$12,321Not just lender fees.
Before credits & paid funds$42,381The complete starting cash picture.
Estimated remaining funds due at closing
$42,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,060.48
Your down payment$30,060.48
Closing costs + prepaids$12,320.96
Total buyer cash needed$42,381.44
Remaining funds due$42,381.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$181.50
Initial HOA (3 months)$564.00
Prepaid interest, first (31 days)$1,850.47
Fees + prepaids$12,320.96
Your down payment is the seller’s equity. You take over the $319,939 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $42,381.44 is due at closing. Uses and sources reconcile at $362,319.96 each. Not a Closing Disclosure.