Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$41,441Cash toward the purchase price.
Closing costs + prepaids$11,596Not just lender fees.
Before credits & paid funds$53,037The complete starting cash picture.
Estimated remaining funds due at closing
$53,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,440.55
Your down payment$41,440.55
Closing costs + prepaids$11,596.05
Total buyer cash needed$53,036.59
Remaining funds due$53,036.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$620.75
Initial HOA (3 months)$600.00
Prepaid interest, first (20 days)$560.30
Fees + prepaids$11,596.05
Your down payment is the seller’s equity. You take over the $317,559 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $53,036.59 is due at closing. Uses and sources reconcile at $370,596.05 each. Not a Closing Disclosure.