Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,335Cash toward the purchase price.
Closing costs + prepaids$12,256Not just lender fees.
Before credits & paid funds$48,592The complete starting cash picture.
Estimated remaining funds due at closing
$48,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,335.24
Your down payment$36,335.24
Closing costs + prepaids$12,256.29
Total buyer cash needed$48,591.54
Remaining funds due$48,591.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$497.00
Initial HOA (3 months)$1,122.00
Prepaid interest, first (25 days)$722.29
Fees + prepaids$12,256.29
Your down payment is the seller’s equity. You take over the $332,665 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $48,591.54 is due at closing. Uses and sources reconcile at $381,256.29 each. Not a Closing Disclosure.