Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,061Cash toward the purchase price.
Closing costs + prepaids$12,511Not just lender fees.
Before credits & paid funds$41,573The complete starting cash picture.
Estimated remaining funds due at closing
$41,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,061.14
Your down payment$29,061.14
Closing costs + prepaids$12,511.43
Total buyer cash needed$41,572.56
Remaining funds due$41,572.56
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)$872.50
Initial HOA (3 months)$243.00
Prepaid interest, first (25 days)$1,520.93
Fees + prepaids$12,511.43
Your down payment is the seller’s equity. You take over the $335,939 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $41,572.56 is due at closing. Uses and sources reconcile at $377,511.43 each. Not a Closing Disclosure.