Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,762Cash toward the purchase price.
Closing costs + prepaids$11,064Not just lender fees.
Before credits & paid funds$51,826The complete starting cash picture.
Estimated remaining funds due at closing
$51,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,761.94
Your down payment$40,761.94
Closing costs + prepaids$11,063.82
Total buyer cash needed$51,825.76
Remaining funds due$51,825.76
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)$620.75
Initial HOA (3 months)$600.00
Prepaid interest, first (1 days)$28.07
Fees + prepaids$11,063.82
Your down payment is the seller’s equity. You take over the $318,238 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $51,825.76 is due at closing. Uses and sources reconcile at $370,063.82 each. Not a Closing Disclosure.