Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$33,277Cash toward the purchase price.
Closing costs + prepaids$12,502Not just lender fees.
Before credits & paid funds$45,780The complete starting cash picture.
Estimated remaining funds due at closing
$45,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,277.44
Your down payment$33,277.44
Closing costs + prepaids$12,502.07
Total buyer cash needed$45,779.51
Remaining funds due$45,779.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$823.50
Initial HOA (3 months)$450.00
Prepaid interest, first (23 days)$1,453.57
Fees + prepaids$12,502.07
Your down payment is the seller’s equity. You take over the $321,723 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $45,779.51 is due at closing. Uses and sources reconcile at $367,502.07 each. Not a Closing Disclosure.