Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$29,737Cash toward the purchase price.
Closing costs + prepaids$12,282Not just lender fees.
Before credits & paid funds$42,018The complete starting cash picture.
Estimated remaining funds due at closing
$42,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,736.83
Your down payment$29,736.83
Closing costs + prepaids$12,281.65
Total buyer cash needed$42,018.48
Remaining funds due$42,018.48
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)$202.00
Initial HOA (3 months)$372.00
Prepaid interest, first (29 days)$1,832.65
Fees + prepaids$12,281.65
Your down payment is the seller’s equity. You take over the $335,263 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $42,018.48 is due at closing. Uses and sources reconcile at $377,281.65 each. Not a Closing Disclosure.