Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$36,952Cash toward the purchase price.
Closing costs + prepaids$12,373Not just lender fees.
Before credits & paid funds$49,325The complete starting cash picture.
Estimated remaining funds due at closing
$49,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,952.11
Your down payment$36,952.11
Closing costs + prepaids$12,372.71
Total buyer cash needed$49,324.82
Remaining funds due$49,324.82
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)$1,100.00
Initial HOA (3 months)$37.50
Prepaid interest, first (25 days)$1,361.21
Fees + prepaids$12,372.71
Your down payment is the seller’s equity. You take over the $327,948 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $49,324.82 is due at closing. Uses and sources reconcile at $377,272.71 each. Not a Closing Disclosure.