Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$41,854Cash toward the purchase price.
Closing costs + prepaids$11,725Not just lender fees.
Before credits & paid funds$53,579The complete starting cash picture.
Estimated remaining funds due at closing
$53,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,854.22
Your down payment$41,854.22
Closing costs + prepaids$11,725.06
Total buyer cash needed$53,579.28
Remaining funds due$53,579.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,710.00
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)$443.50
Initial HOA (3 months)$285.00
Prepaid interest, first (18 days)$1,061.56
Fees + prepaids$11,725.06
Your down payment is the seller’s equity. You take over the $329,146 balance, so the rest of the $371,000 price is paid at closing. A second mortgage can cover part of it. $53,579.28 is due at closing. Uses and sources reconcile at $382,725.06 each. Not a Closing Disclosure.