Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$41,441Cash toward the purchase price.
Closing costs + prepaids$11,126Not just lender fees.
Before credits & paid funds$52,566The complete starting cash picture.
Estimated remaining funds due at closing
$52,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,440.55
Your down payment$41,440.55
Closing costs + prepaids$11,125.90
Total buyer cash needed$52,566.45
Remaining funds due$52,566.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$430.75
Initial HOA (3 months)$600.00
Prepaid interest, first (10 days)$280.15
Fees + prepaids$11,125.90
Your down payment is the seller’s equity. You take over the $317,559 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $52,566.45 is due at closing. Uses and sources reconcile at $370,125.90 each. Not a Closing Disclosure.