Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$28,289Cash toward the purchase price.
Closing costs + prepaids$13,547Not just lender fees.
Before credits & paid funds$41,835The complete starting cash picture.
Estimated remaining funds due at closing
$41,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,288.66
Your down payment$28,288.66
Closing costs + prepaids$13,546.65
Total buyer cash needed$41,835.30
Remaining funds due$41,835.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,589.00
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)$1,178.25
Initial HOA (3 months)$1,044.00
Prepaid interest, first (25 days)$1,510.40
Fees + prepaids$13,546.65
Your down payment is the seller’s equity. You take over the $330,611 balance, so the rest of the $358,900 price is paid at closing. A second mortgage can cover part of it. $41,835.30 is due at closing. Uses and sources reconcile at $372,446.65 each. Not a Closing Disclosure.