Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$37,209Cash toward the purchase price.
Closing costs + prepaids$11,376Not just lender fees.
Before credits & paid funds$48,584The complete starting cash picture.
Estimated remaining funds due at closing
$48,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,208.72
Your down payment$37,208.72
Closing costs + prepaids$11,375.52
Total buyer cash needed$48,584.24
Remaining funds due$48,584.24
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)$414.50
Prepaid interest, first (29 days)$1,086.02
Fees + prepaids$11,375.52
Your down payment is the seller’s equity. You take over the $327,791 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $48,584.24 is due at closing. Uses and sources reconcile at $376,375.52 each. Not a Closing Disclosure.