Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$36,440Cash toward the purchase price.
Closing costs + prepaids$10,882Not just lender fees.
Before credits & paid funds$47,322The complete starting cash picture.
Estimated remaining funds due at closing
$47,322No 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$10,881.98
Total buyer cash needed$47,322.04
Remaining funds due$47,322.04
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 (6 days)$363.98
Fees + prepaids$10,881.98
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. $47,322.04 is due at closing. Uses and sources reconcile at $385,881.98 each. Not a Closing Disclosure.