Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,447Cash toward the purchase price.
Closing costs + prepaids$11,979Not just lender fees.
Before credits & paid funds$44,426The complete starting cash picture.
Estimated remaining funds due at closing
$44,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,446.61
Your down payment$32,446.61
Closing costs + prepaids$11,979.11
Total buyer cash needed$44,425.72
Remaining funds due$44,425.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,743.75
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)$650.00
Initial HOA (3 months)$180.00
Prepaid interest, first (28 days)$1,180.36
Fees + prepaids$11,979.11
Your down payment is the seller’s equity. You take over the $341,928 balance, so the rest of the $374,375 price is paid at closing. A second mortgage can cover part of it. $44,425.72 is due at closing. Uses and sources reconcile at $386,354.11 each. Not a Closing Disclosure.