Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,780Cash toward the purchase price.
Closing costs + prepaids$13,637Not just lender fees.
Before credits & paid funds$46,417The complete starting cash picture.
Estimated remaining funds due at closing
$46,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,779.92
Your down payment$32,779.92
Closing costs + prepaids$13,636.78
Total buyer cash needed$46,416.70
Remaining funds due$46,416.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.99
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)$1,615.00
Initial HOA (3 months)$132.99
Prepaid interest, first (28 days)$1,913.80
Fees + prepaids$13,636.78
Your down payment is the seller’s equity. You take over the $342,219 balance, so the rest of the $374,999 price is paid at closing. A second mortgage can cover part of it. $46,416.70 is due at closing. Uses and sources reconcile at $388,635.78 each. Not a Closing Disclosure.