Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$40,811Cash toward the purchase price.
Closing costs + prepaids$11,831Not just lender fees.
Before credits & paid funds$52,642The complete starting cash picture.
Estimated remaining funds due at closing
$52,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,810.54
Your down payment$40,810.54
Closing costs + prepaids$11,831.05
Total buyer cash needed$52,641.58
Remaining funds due$52,641.58
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)$89.25
Prepaid interest, first (31 days)$1,866.80
Fees + prepaids$11,831.05
Your down payment is the seller’s equity. You take over the $324,189 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $52,641.58 is due at closing. Uses and sources reconcile at $376,831.05 each. Not a Closing Disclosure.