Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$32,968Cash toward the purchase price.
Closing costs + prepaids$11,112Not just lender fees.
Before credits & paid funds$44,080The complete starting cash picture.
Estimated remaining funds due at closing
$44,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,968.43
Your down payment$32,968.43
Closing costs + prepaids$11,111.76
Total buyer cash needed$44,080.19
Remaining funds due$44,080.19
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)$823.50
Initial HOA (3 months)$450.00
Prepaid interest, first (1 days)$63.26
Fees + prepaids$11,111.76
Your down payment is the seller’s equity. You take over the $322,032 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $44,080.19 is due at closing. Uses and sources reconcile at $366,111.76 each. Not a Closing Disclosure.