Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,738Cash toward the purchase price.
Closing costs + prepaids$12,971Not just lender fees.
Before credits & paid funds$45,709The complete starting cash picture.
Estimated remaining funds due at closing
$45,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,737.90
Your down payment$32,737.90
Closing costs + prepaids$12,971.45
Total buyer cash needed$45,709.35
Remaining funds due$45,709.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$1,190.25
Initial HOA (3 months)$308.01
Prepaid interest, first (31 days)$1,549.19
Fees + prepaids$12,971.45
Your down payment is the seller’s equity. You take over the $337,162 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $45,709.35 is due at closing. Uses and sources reconcile at $382,871.45 each. Not a Closing Disclosure.