Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,566Cash toward the purchase price.
Closing costs + prepaids$12,791Not just lender fees.
Before credits & paid funds$58,357The complete starting cash picture.
Estimated remaining funds due at closing
$58,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,565.67
Your down payment$45,565.67
Closing costs + prepaids$12,791.44
Total buyer cash needed$58,357.11
Remaining funds due$58,357.11
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)$897.50
Initial HOA (3 months)$480.00
Prepaid interest, first (28 days)$1,598.94
Fees + prepaids$12,791.44
Your down payment is the seller’s equity. You take over the $313,434 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $58,357.11 is due at closing. Uses and sources reconcile at $371,791.44 each. Not a Closing Disclosure.