Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$37,695Cash toward the purchase price.
Closing costs + prepaids$12,113Not just lender fees.
Before credits & paid funds$49,809The complete starting cash picture.
Estimated remaining funds due at closing
$49,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,695.45
Your down payment$37,695.45
Closing costs + prepaids$12,113.48
Total buyer cash needed$49,808.93
Remaining funds due$49,808.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$828.75
Initial HOA (3 months)$867.00
Prepaid interest, first (27 days)$1,043.73
Fees + prepaids$12,113.48
Your down payment is the seller’s equity. You take over the $277,205 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $49,808.93 is due at closing. Uses and sources reconcile at $327,013.48 each. Not a Closing Disclosure.