Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$38,521Cash toward the purchase price.
Closing costs + prepaids$11,977Not just lender fees.
Before credits & paid funds$50,498The complete starting cash picture.
Estimated remaining funds due at closing
$50,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,520.91
Your down payment$38,520.91
Closing costs + prepaids$11,977.18
Total buyer cash needed$50,498.09
Remaining funds due$50,498.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$344.00
Initial HOA (3 months)$510.00
Prepaid interest, first (22 days)$1,249.18
Fees + prepaids$11,977.18
Your down payment is the seller’s equity. You take over the $326,379 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $50,498.09 is due at closing. Uses and sources reconcile at $376,877.18 each. Not a Closing Disclosure.