Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,772Cash toward the purchase price.
Closing costs + prepaids$12,057Not just lender fees.
Before credits & paid funds$52,829The complete starting cash picture.
Estimated remaining funds due at closing
$52,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,771.96
Your down payment$40,771.96
Closing costs + prepaids$12,057.01
Total buyer cash needed$52,828.97
Remaining funds due$52,828.97
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)$295.25
Initial HOA (3 months)$525.00
Prepaid interest, first (30 days)$1,361.76
Fees + prepaids$12,057.01
Your down payment is the seller’s equity. You take over the $324,228 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $52,828.97 is due at closing. Uses and sources reconcile at $377,057.01 each. Not a Closing Disclosure.