Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$29,436Cash toward the purchase price.
Closing costs + prepaids$10,916Not just lender fees.
Before credits & paid funds$40,352The complete starting cash picture.
Estimated remaining funds due at closing
$40,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,436.12
Your down payment$29,436.12
Closing costs + prepaids$10,916.01
Total buyer cash needed$40,352.13
Remaining funds due$40,352.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$426.00
Initial HOA (3 months)$15.00
Prepaid interest, first (12 days)$700.01
Fees + prepaids$10,916.01
Your down payment is the seller’s equity. You take over the $325,564 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $40,352.13 is due at closing. Uses and sources reconcile at $365,916.01 each. Not a Closing Disclosure.