Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,172Cash toward the purchase price.
Closing costs + prepaids$12,349Not just lender fees.
Before credits & paid funds$40,520The complete starting cash picture.
Estimated remaining funds due at closing
$40,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,171.61
Your down payment$28,171.61
Closing costs + prepaids$12,348.53
Total buyer cash needed$40,520.14
Remaining funds due$40,520.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$665.75
Initial HOA (3 months)$111.00
Prepaid interest, first (27 days)$1,696.78
Fees + prepaids$12,348.53
Your down payment is the seller’s equity. You take over the $336,828 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $40,520.14 is due at closing. Uses and sources reconcile at $377,348.53 each. Not a Closing Disclosure.