Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$29,581Cash toward the purchase price.
Closing costs + prepaids$12,448Not just lender fees.
Before credits & paid funds$42,029The complete starting cash picture.
Estimated remaining funds due at closing
$42,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,581.22
Your down payment$29,581.22
Closing costs + prepaids$12,447.82
Total buyer cash needed$42,029.04
Remaining funds due$42,029.04
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)$418.00
Initial HOA (3 months)$300.00
Prepaid interest, first (29 days)$1,854.82
Fees + prepaids$12,447.82
Your down payment is the seller’s equity. You take over the $335,419 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $42,029.04 is due at closing. Uses and sources reconcile at $377,447.82 each. Not a Closing Disclosure.