Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$28,700Cash toward the purchase price.
Closing costs + prepaids$11,830Not just lender fees.
Before credits & paid funds$40,530The complete starting cash picture.
Estimated remaining funds due at closing
$40,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,700.06
Your down payment$28,700.06
Closing costs + prepaids$11,829.60
Total buyer cash needed$40,529.65
Remaining funds due$40,529.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$273.25
Initial HOA (3 months)$408.00
Prepaid interest, first (21 days)$1,324.35
Fees + prepaids$11,829.60
Your down payment is the seller’s equity. You take over the $331,200 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $40,529.65 is due at closing. Uses and sources reconcile at $371,729.60 each. Not a Closing Disclosure.