Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$40,526Cash toward the purchase price.
Closing costs + prepaids$12,311Not just lender fees.
Before credits & paid funds$52,837The complete starting cash picture.
Estimated remaining funds due at closing
$52,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,525.94
Your down payment$40,525.94
Closing costs + prepaids$12,310.73
Total buyer cash needed$52,836.67
Remaining funds due$52,836.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,730.00
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)$669.00
Initial HOA (3 months)$120.00
Prepaid interest, first (25 days)$1,566.73
Fees + prepaids$12,310.73
Your down payment is the seller’s equity. You take over the $332,474 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $52,836.67 is due at closing. Uses and sources reconcile at $385,310.73 each. Not a Closing Disclosure.