Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,133Cash toward the purchase price.
Closing costs + prepaids$13,227Not just lender fees.
Before credits & paid funds$42,360The complete starting cash picture.
Estimated remaining funds due at closing
$42,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,132.82
Your down payment$29,132.82
Closing costs + prepaids$13,227.17
Total buyer cash needed$42,359.99
Remaining funds due$42,359.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,728.00
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)$932.00
Initial HOA (3 months)$705.00
Prepaid interest, first (27 days)$1,637.17
Fees + prepaids$13,227.17
Your down payment is the seller’s equity. You take over the $343,667 balance, so the rest of the $372,800 price is paid at closing. A second mortgage can cover part of it. $42,359.99 is due at closing. Uses and sources reconcile at $386,027.17 each. Not a Closing Disclosure.