Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$33,650Cash toward the purchase price.
Closing costs + prepaids$12,742Not just lender fees.
Before credits & paid funds$46,392The complete starting cash picture.
Estimated remaining funds due at closing
$46,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,650.35
Your down payment$33,650.35
Closing costs + prepaids$12,741.57
Total buyer cash needed$46,391.92
Remaining funds due$46,391.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$1,066.00
Prepaid interest, first (28 days)$1,701.57
Fees + prepaids$12,741.57
Your down payment is the seller’s equity. You take over the $341,250 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $46,391.92 is due at closing. Uses and sources reconcile at $387,641.57 each. Not a Closing Disclosure.