Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$41,946Cash toward the purchase price.
Closing costs + prepaids$11,425Not just lender fees.
Before credits & paid funds$53,371The complete starting cash picture.
Estimated remaining funds due at closing
$53,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,946.07
Your down payment$41,946.07
Closing costs + prepaids$11,425.32
Total buyer cash needed$53,371.39
Remaining funds due$53,371.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$462.00
Initial HOA (3 months)$315.00
Prepaid interest, first (10 days)$573.32
Fees + prepaids$11,425.32
Your down payment is the seller’s equity. You take over the $343,054 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $53,371.39 is due at closing. Uses and sources reconcile at $396,425.32 each. Not a Closing Disclosure.