Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$36,744Cash toward the purchase price.
Closing costs + prepaids$12,822Not just lender fees.
Before credits & paid funds$49,567The complete starting cash picture.
Estimated remaining funds due at closing
$49,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,744.32
Your down payment$36,744.32
Closing costs + prepaids$12,822.40
Total buyer cash needed$49,566.72
Remaining funds due$49,566.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,580.00
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)$895.00
Initial HOA (3 months)$705.00
Prepaid interest, first (24 days)$1,417.40
Fees + prepaids$12,822.40
Your down payment is the seller’s equity. You take over the $321,256 balance, so the rest of the $358,000 price is paid at closing. A second mortgage can cover part of it. $49,566.72 is due at closing. Uses and sources reconcile at $370,822.40 each. Not a Closing Disclosure.