Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,378Cash toward the purchase price.
Closing costs + prepaids$11,896Not just lender fees.
Before credits & paid funds$48,274The complete starting cash picture.
Estimated remaining funds due at closing
$48,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,377.65
Your down payment$36,377.65
Closing costs + prepaids$11,895.87
Total buyer cash needed$48,273.52
Remaining funds due$48,273.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$345.50
Initial HOA (3 months)$494.01
Prepaid interest, first (31 days)$1,081.36
Fees + prepaids$11,895.87
Your down payment is the seller’s equity. You take over the $338,622 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $48,273.52 is due at closing. Uses and sources reconcile at $386,895.87 each. Not a Closing Disclosure.