Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$33,675Cash toward the purchase price.
Closing costs + prepaids$11,936Not just lender fees.
Before credits & paid funds$45,611The complete starting cash picture.
Estimated remaining funds due at closing
$45,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,675.08
Your down payment$33,675.08
Closing costs + prepaids$11,936.24
Total buyer cash needed$45,611.33
Remaining funds due$45,611.33
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)$901.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (2 days)$80.24
Fees + prepaids$11,936.24
Your down payment is the seller’s equity. You take over the $331,325 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $45,611.33 is due at closing. Uses and sources reconcile at $376,936.24 each. Not a Closing Disclosure.