Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$36,783Cash toward the purchase price.
Closing costs + prepaids$11,908Not just lender fees.
Before credits & paid funds$48,691The complete starting cash picture.
Estimated remaining funds due at closing
$48,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,783.44
Your down payment$36,783.44
Closing costs + prepaids$11,907.72
Total buyer cash needed$48,691.16
Remaining funds due$48,691.16
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)$410.50
Prepaid interest, first (26 days)$1,573.22
Fees + prepaids$11,907.72
Your down payment is the seller’s equity. You take over the $333,117 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $48,691.16 is due at closing. Uses and sources reconcile at $381,807.72 each. Not a Closing Disclosure.