Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$49,605Cash toward the purchase price.
Closing costs + prepaids$12,632Not just lender fees.
Before credits & paid funds$62,237The complete starting cash picture.
Estimated remaining funds due at closing
$62,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,605.24
Your down payment$49,605.24
Closing costs + prepaids$12,631.66
Total buyer cash needed$62,236.91
Remaining funds due$62,236.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,775.00
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)$598.50
Initial HOA (3 months)$345.00
Prepaid interest, first (27 days)$1,688.16
Fees + prepaids$12,631.66
Your down payment is the seller’s equity. You take over the $327,895 balance, so the rest of the $377,500 price is paid at closing. A second mortgage can cover part of it. $62,236.91 is due at closing. Uses and sources reconcile at $390,131.66 each. Not a Closing Disclosure.