Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,669Cash toward the purchase price.
Closing costs + prepaids$12,178Not just lender fees.
Before credits & paid funds$48,847The complete starting cash picture.
Estimated remaining funds due at closing
$48,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,668.85
Your down payment$36,668.85
Closing costs + prepaids$12,178.37
Total buyer cash needed$48,847.22
Remaining funds due$48,847.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.90
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)$1,904.50
Initial HOA (3 months)$33.75
Prepaid interest, first (25 days)$715.22
Fees + prepaids$12,178.37
Your down payment is the seller’s equity. You take over the $293,321 balance, so the rest of the $329,990 price is paid at closing. A second mortgage can cover part of it. $48,847.22 is due at closing. Uses and sources reconcile at $342,168.37 each. Not a Closing Disclosure.