Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,171Cash toward the purchase price.
Closing costs + prepaids$12,290Not just lender fees.
Before credits & paid funds$60,461The complete starting cash picture.
Estimated remaining funds due at closing
$60,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,171.03
Your down payment$48,171.03
Closing costs + prepaids$12,289.70
Total buyer cash needed$60,460.73
Remaining funds due$60,460.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$708.50
Initial HOA (3 months)$120.00
Prepaid interest, first (26 days)$1,487.20
Fees + prepaids$12,289.70
Your down payment is the seller’s equity. You take over the $326,729 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $60,460.73 is due at closing. Uses and sources reconcile at $387,189.70 each. Not a Closing Disclosure.