Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,486Cash toward the purchase price.
Closing costs + prepaids$13,464Not just lender fees.
Before credits & paid funds$47,950The complete starting cash picture.
Estimated remaining funds due at closing
$47,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,486.39
Your down payment$34,486.39
Closing costs + prepaids$13,463.63
Total buyer cash needed$47,950.02
Remaining funds due$47,950.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$1,067.25
Initial HOA (3 months)$645.00
Prepaid interest, first (31 days)$1,877.38
Fees + prepaids$13,463.63
Your down payment is the seller’s equity. You take over the $330,414 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $47,950.02 is due at closing. Uses and sources reconcile at $378,363.63 each. Not a Closing Disclosure.