Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,113Cash toward the purchase price.
Closing costs + prepaids$13,266Not just lender fees.
Before credits & paid funds$55,378The complete starting cash picture.
Estimated remaining funds due at closing
$55,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,112.74
Your down payment$42,112.74
Closing costs + prepaids$13,265.51
Total buyer cash needed$55,378.25
Remaining funds due$55,378.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$1,249.25
Initial HOA (3 months)$405.00
Prepaid interest, first (31 days)$1,836.26
Fees + prepaids$13,265.51
Your down payment is the seller’s equity. You take over the $312,887 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $55,378.25 is due at closing. Uses and sources reconcile at $368,265.51 each. Not a Closing Disclosure.