Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,059Cash toward the purchase price.
Closing costs + prepaids$11,912Not just lender fees.
Before credits & paid funds$54,971The complete starting cash picture.
Estimated remaining funds due at closing
$54,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,059.37
Your down payment$43,059.37
Closing costs + prepaids$11,911.67
Total buyer cash needed$54,971.04
Remaining funds due$54,971.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$344.50
Initial HOA (3 months)$150.00
Prepaid interest, first (25 days)$1,493.17
Fees + prepaids$11,911.67
Your down payment is the seller’s equity. You take over the $326,841 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $54,971.04 is due at closing. Uses and sources reconcile at $381,811.67 each. Not a Closing Disclosure.