Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$37,761Cash toward the purchase price.
Closing costs + prepaids$12,680Not just lender fees.
Before credits & paid funds$50,441The complete starting cash picture.
Estimated remaining funds due at closing
$50,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,760.60
Your down payment$37,760.60
Closing costs + prepaids$12,680.43
Total buyer cash needed$50,441.03
Remaining funds due$50,441.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$1,096.25
Initial HOA (3 months)$744.00
Prepaid interest, first (24 days)$1,325.18
Fees + prepaids$12,680.43
Your down payment is the seller’s equity. You take over the $291,239 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $50,441.03 is due at closing. Uses and sources reconcile at $341,680.43 each. Not a Closing Disclosure.