Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,696Cash toward the purchase price.
Closing costs + prepaids$14,485Not just lender fees.
Before credits & paid funds$50,182The complete starting cash picture.
Estimated remaining funds due at closing
$50,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,696.47
Your down payment$35,696.47
Closing costs + prepaids$14,485.38
Total buyer cash needed$50,181.86
Remaining funds due$50,181.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$962.50
Initial HOA (3 months)$1,665.00
Prepaid interest, first (27 days)$1,782.88
Fees + prepaids$14,485.38
Your down payment is the seller’s equity. You take over the $349,304 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $50,181.86 is due at closing. Uses and sources reconcile at $399,485.38 each. Not a Closing Disclosure.