Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,847Cash toward the purchase price.
Closing costs + prepaids$12,873Not just lender fees.
Before credits & paid funds$45,719The complete starting cash picture.
Estimated remaining funds due at closing
$45,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,846.65
Your down payment$32,846.65
Closing costs + prepaids$12,872.79
Total buyer cash needed$45,719.43
Remaining funds due$45,719.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,730.00
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)$1,292.00
Initial HOA (3 months)$125.01
Prepaid interest, first (24 days)$1,500.78
Fees + prepaids$12,872.79
Your down payment is the seller’s equity. You take over the $340,153 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $45,719.43 is due at closing. Uses and sources reconcile at $385,872.79 each. Not a Closing Disclosure.