Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,441Cash toward the purchase price.
Closing costs + prepaids$11,904Not just lender fees.
Before credits & paid funds$53,345The complete starting cash picture.
Estimated remaining funds due at closing
$53,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,440.55
Your down payment$41,440.55
Closing costs + prepaids$11,904.21
Total buyer cash needed$53,344.76
Remaining funds due$53,344.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$620.75
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$868.46
Fees + prepaids$11,904.21
Your down payment is the seller’s equity. You take over the $317,559 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $53,344.76 is due at closing. Uses and sources reconcile at $370,904.21 each. Not a Closing Disclosure.