Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$36,045Cash toward the purchase price.
Closing costs + prepaids$11,856Not just lender fees.
Before credits & paid funds$47,901The complete starting cash picture.
Estimated remaining funds due at closing
$47,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,045.41
Your down payment$36,045.41
Closing costs + prepaids$11,855.51
Total buyer cash needed$47,900.92
Remaining funds due$47,900.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$68.00
Initial HOA (3 months)$81.00
Prepaid interest, first (29 days)$1,782.51
Fees + prepaids$11,855.51
Your down payment is the seller’s equity. You take over the $333,855 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $47,900.92 is due at closing. Uses and sources reconcile at $381,755.51 each. Not a Closing Disclosure.