Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$46,417Cash toward the purchase price.
Closing costs + prepaids$13,033Not just lender fees.
Before credits & paid funds$59,450The complete starting cash picture.
Estimated remaining funds due at closing
$59,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,416.73
Your down payment$46,416.73
Closing costs + prepaids$13,032.84
Total buyer cash needed$59,449.57
Remaining funds due$59,449.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$1,558.50
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$1,609.33
Fees + prepaids$13,032.84
Your down payment is the seller’s equity. You take over the $312,583 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $59,449.57 is due at closing. Uses and sources reconcile at $372,032.84 each. Not a Closing Disclosure.