Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$34,504Cash toward the purchase price.
Closing costs + prepaids$12,278Not just lender fees.
Before credits & paid funds$46,782The complete starting cash picture.
Estimated remaining funds due at closing
$46,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,504.33
Your down payment$34,504.33
Closing costs + prepaids$12,277.78
Total buyer cash needed$46,782.11
Remaining funds due$46,782.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,829.90
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)$518.50
Initial HOA (3 months)$231.00
Prepaid interest, first (24 days)$1,473.38
Fees + prepaids$12,277.78
Your down payment is the seller’s equity. You take over the $348,486 balance, so the rest of the $382,990 price is paid at closing. A second mortgage can cover part of it. $46,782.11 is due at closing. Uses and sources reconcile at $395,267.78 each. Not a Closing Disclosure.