Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,610Cash toward the purchase price.
Closing costs + prepaids$11,770Not just lender fees.
Before credits & paid funds$48,380The complete starting cash picture.
Estimated remaining funds due at closing
$48,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,609.75
Your down payment$36,609.75
Closing costs + prepaids$11,769.84
Total buyer cash needed$48,379.59
Remaining funds due$48,379.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$751.25
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$868.59
Fees + prepaids$11,769.84
Your down payment is the seller’s equity. You take over the $348,390 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $48,379.59 is due at closing. Uses and sources reconcile at $396,769.84 each. Not a Closing Disclosure.