Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,637Cash toward the purchase price.
Closing costs + prepaids$14,355Not just lender fees.
Before credits & paid funds$57,992The complete starting cash picture.
Estimated remaining funds due at closing
$57,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,637.42
Your down payment$43,637.42
Closing costs + prepaids$14,354.78
Total buyer cash needed$57,992.20
Remaining funds due$57,992.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$1,537.25
Initial HOA (3 months)$1,113.00
Prepaid interest, first (31 days)$1,779.53
Fees + prepaids$14,354.78
Your down payment is the seller’s equity. You take over the $326,363 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $57,992.20 is due at closing. Uses and sources reconcile at $384,354.78 each. Not a Closing Disclosure.