Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,352Cash toward the purchase price.
Closing costs + prepaids$12,095Not just lender fees.
Before credits & paid funds$44,447The complete starting cash picture.
Estimated remaining funds due at closing
$44,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,351.76
Your down payment$32,351.76
Closing costs + prepaids$12,095.34
Total buyer cash needed$44,447.10
Remaining funds due$44,447.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$565.75
Initial HOA (3 months)$18.75
Prepaid interest, first (26 days)$1,485.84
Fees + prepaids$12,095.34
Your down payment is the seller’s equity. You take over the $347,648 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $44,447.10 is due at closing. Uses and sources reconcile at $392,095.34 each. Not a Closing Disclosure.