Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,328Cash toward the purchase price.
Closing costs + prepaids$12,632Not just lender fees.
Before credits & paid funds$54,960The complete starting cash picture.
Estimated remaining funds due at closing
$54,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,327.93
Your down payment$42,327.93
Closing costs + prepaids$12,632.40
Total buyer cash needed$54,960.33
Remaining funds due$54,960.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$454.00
Initial HOA (3 months)$720.00
Prepaid interest, first (27 days)$1,584.40
Fees + prepaids$12,632.40
Your down payment is the seller’s equity. You take over the $322,572 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $54,960.33 is due at closing. Uses and sources reconcile at $377,532.40 each. Not a Closing Disclosure.