Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$29,280Cash toward the purchase price.
Closing costs + prepaids$12,465Not just lender fees.
Before credits & paid funds$41,744The complete starting cash picture.
Estimated remaining funds due at closing
$41,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,279.60
Your down payment$29,279.60
Closing costs + prepaids$12,464.57
Total buyer cash needed$41,744.18
Remaining funds due$41,744.18
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)$422.50
Initial HOA (3 months)$792.00
Prepaid interest, first (23 days)$1,375.07
Fees + prepaids$12,464.57
Your down payment is the seller’s equity. You take over the $335,720 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $41,744.18 is due at closing. Uses and sources reconcile at $377,464.57 each. Not a Closing Disclosure.