Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$31,901Cash toward the purchase price.
Closing costs + prepaids$12,956Not just lender fees.
Before credits & paid funds$44,857The complete starting cash picture.
Estimated remaining funds due at closing
$44,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,900.66
Your down payment$31,900.66
Closing costs + prepaids$12,956.42
Total buyer cash needed$44,857.09
Remaining funds due$44,857.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$569.75
Initial HOA (3 months)$855.00
Prepaid interest, first (27 days)$1,607.67
Fees + prepaids$12,956.42
Your down payment is the seller’s equity. You take over the $337,999 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $44,857.09 is due at closing. Uses and sources reconcile at $382,856.42 each. Not a Closing Disclosure.