Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$43,058Cash toward the purchase price.
Closing costs + prepaids$12,484Not just lender fees.
Before credits & paid funds$55,542The complete starting cash picture.
Estimated remaining funds due at closing
$55,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,057.83
Your down payment$43,057.83
Closing costs + prepaids$12,483.77
Total buyer cash needed$55,541.60
Remaining funds due$55,541.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.99
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)$342.25
Initial HOA (3 months)$900.00
Prepaid interest, first (22 days)$1,166.53
Fees + prepaids$12,483.77
Your down payment is the seller’s equity. You take over the $341,941 balance, so the rest of the $384,999 price is paid at closing. A second mortgage can cover part of it. $55,541.60 is due at closing. Uses and sources reconcile at $397,482.77 each. Not a Closing Disclosure.