Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$38,611Cash toward the purchase price.
Closing costs + prepaids$13,034Not just lender fees.
Before credits & paid funds$51,645The complete starting cash picture.
Estimated remaining funds due at closing
$51,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,610.50
Your down payment$38,610.50
Closing costs + prepaids$13,034.49
Total buyer cash needed$51,644.99
Remaining funds due$51,644.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$1,327.75
Initial HOA (3 months)$105.00
Prepaid interest, first (27 days)$1,676.74
Fees + prepaids$13,034.49
Your down payment is the seller’s equity. You take over the $331,389 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $51,644.99 is due at closing. Uses and sources reconcile at $383,034.49 each. Not a Closing Disclosure.