Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,361Cash toward the purchase price.
Closing costs + prepaids$11,621Not just lender fees.
Before credits & paid funds$48,982The complete starting cash picture.
Estimated remaining funds due at closing
$48,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,360.63
Your down payment$37,360.63
Closing costs + prepaids$11,621.00
Total buyer cash needed$48,981.63
Remaining funds due$48,981.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,140.00
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)$196.50
Initial HOA (3 months)$537.00
Prepaid interest, first (31 days)$1,522.50
Fees + prepaids$11,621.00
Your down payment is the seller’s equity. You take over the $276,639 balance, so the rest of the $314,000 price is paid at closing. A second mortgage can cover part of it. $48,981.63 is due at closing. Uses and sources reconcile at $325,621.00 each. Not a Closing Disclosure.