Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$36,440Cash toward the purchase price.
Closing costs + prepaids$11,246Not just lender fees.
Before credits & paid funds$47,686The complete starting cash picture.
Estimated remaining funds due at closing
$47,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,440.07
Your down payment$36,440.07
Closing costs + prepaids$11,245.95
Total buyer cash needed$47,686.02
Remaining funds due$47,686.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$450.00
Initial HOA (3 months)$93.00
Prepaid interest, first (12 days)$727.95
Fees + prepaids$11,245.95
Your down payment is the seller’s equity. You take over the $338,560 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $47,686.02 is due at closing. Uses and sources reconcile at $386,245.95 each. Not a Closing Disclosure.