Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,468Cash toward the purchase price.
Closing costs + prepaids$11,497Not just lender fees.
Before credits & paid funds$43,965The complete starting cash picture.
Estimated remaining funds due at closing
$43,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,467.52
Your down payment$32,467.52
Closing costs + prepaids$11,497.21
Total buyer cash needed$43,964.74
Remaining funds due$43,964.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,730.00
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)$1,292.00
Initial HOA (3 months)$125.01
Prepaid interest, first (2 days)$125.20
Fees + prepaids$11,497.21
Your down payment is the seller’s equity. You take over the $340,532 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $43,964.74 is due at closing. Uses and sources reconcile at $384,497.21 each. Not a Closing Disclosure.