Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,854Cash toward the purchase price.
Closing costs + prepaids$11,444Not just lender fees.
Before credits & paid funds$44,298The complete starting cash picture.
Estimated remaining funds due at closing
$44,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,853.65
Your down payment$32,853.65
Closing costs + prepaids$11,444.05
Total buyer cash needed$44,297.70
Remaining funds due$44,297.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$1,107.75
Initial HOA (3 months)$345.00
Prepaid interest, first (2 days)$116.30
Fees + prepaids$11,444.05
Your down payment is the seller’s equity. You take over the $332,146 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $44,297.70 is due at closing. Uses and sources reconcile at $376,444.05 each. Not a Closing Disclosure.