Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$37,968Cash toward the purchase price.
Closing costs + prepaids$10,632Not just lender fees.
Before credits & paid funds$48,600The complete starting cash picture.
Estimated remaining funds due at closing
$48,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,967.86
Your down payment$37,967.86
Closing costs + prepaids$10,632.48
Total buyer cash needed$48,600.35
Remaining funds due$48,600.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,280.00
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)$138.75
Prepaid interest, first (23 days)$988.73
Fees + prepaids$10,632.48
Your down payment is the seller’s equity. You take over the $290,032 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $48,600.35 is due at closing. Uses and sources reconcile at $338,632.48 each. Not a Closing Disclosure.