Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$41,500Cash toward the purchase price.
Closing costs + prepaids$12,561Not just lender fees.
Before credits & paid funds$54,061The complete starting cash picture.
Estimated remaining funds due at closing
$54,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,499.76
Your down payment$41,499.76
Closing costs + prepaids$12,560.93
Total buyer cash needed$54,060.69
Remaining funds due$54,060.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$876.50
Initial HOA (3 months)$1,140.00
Prepaid interest, first (23 days)$629.43
Fees + prepaids$12,560.93
Your down payment is the seller’s equity. You take over the $327,500 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $54,060.69 is due at closing. Uses and sources reconcile at $381,560.93 each. Not a Closing Disclosure.