Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$31,364Cash toward the purchase price.
Closing costs + prepaids$13,145Not just lender fees.
Before credits & paid funds$44,509The complete starting cash picture.
Estimated remaining funds due at closing
$44,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,363.83
Your down payment$31,363.83
Closing costs + prepaids$13,145.34
Total buyer cash needed$44,509.18
Remaining funds due$44,509.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$1,315.00
Initial HOA (3 months)$249.99
Prepaid interest, first (24 days)$1,506.35
Fees + prepaids$13,145.34
Your down payment is the seller’s equity. You take over the $353,536 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $44,509.18 is due at closing. Uses and sources reconcile at $398,045.34 each. Not a Closing Disclosure.