Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,789Cash toward the purchase price.
Closing costs + prepaids$12,316Not just lender fees.
Before credits & paid funds$50,105The complete starting cash picture.
Estimated remaining funds due at closing
$50,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,789.26
Your down payment$37,789.26
Closing costs + prepaids$12,315.55
Total buyer cash needed$50,104.81
Remaining funds due$50,104.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,620.00
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)$1,471.00
Initial HOA (3 months)$236.01
Prepaid interest, first (28 days)$763.54
Fees + prepaids$12,315.55
Your down payment is the seller’s equity. You take over the $324,211 balance, so the rest of the $362,000 price is paid at closing. A second mortgage can cover part of it. $50,104.81 is due at closing. Uses and sources reconcile at $374,315.55 each. Not a Closing Disclosure.