Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$43,521Cash toward the purchase price.
Closing costs + prepaids$12,481Not just lender fees.
Before credits & paid funds$56,002The complete starting cash picture.
Estimated remaining funds due at closing
$56,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,520.91
Your down payment$43,520.91
Closing costs + prepaids$12,481.43
Total buyer cash needed$56,002.34
Remaining funds due$56,002.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$344.00
Initial HOA (3 months)$510.00
Prepaid interest, first (30 days)$1,703.43
Fees + prepaids$12,481.43
Your down payment is the seller’s equity. You take over the $326,379 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $56,002.34 is due at closing. Uses and sources reconcile at $382,381.43 each. Not a Closing Disclosure.