Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$37,145Cash toward the purchase price.
Closing costs + prepaids$12,386Not just lender fees.
Before credits & paid funds$49,531The complete starting cash picture.
Estimated remaining funds due at closing
$49,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,144.66
Your down payment$37,144.66
Closing costs + prepaids$12,386.44
Total buyer cash needed$49,531.10
Remaining funds due$49,531.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$464.00
Prepaid interest, first (29 days)$1,848.44
Fees + prepaids$12,386.44
Your down payment is the seller’s equity. You take over the $347,755 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $49,531.10 is due at closing. Uses and sources reconcile at $397,286.44 each. Not a Closing Disclosure.