Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$41,241Cash toward the purchase price.
Closing costs + prepaids$12,959Not just lender fees.
Before credits & paid funds$54,200The complete starting cash picture.
Estimated remaining funds due at closing
$54,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,241.03
Your down payment$41,241.03
Closing costs + prepaids$12,959.18
Total buyer cash needed$54,200.22
Remaining funds due$54,200.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,625.00
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)$909.25
Initial HOA (3 months)$378.00
Prepaid interest, first (30 days)$1,821.93
Fees + prepaids$12,959.18
Your down payment is the seller’s equity. You take over the $321,259 balance, so the rest of the $362,500 price is paid at closing. A second mortgage can cover part of it. $54,200.22 is due at closing. Uses and sources reconcile at $375,459.18 each. Not a Closing Disclosure.