Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,044Cash toward the purchase price.
Closing costs + prepaids$12,830Not just lender fees.
Before credits & paid funds$49,874The complete starting cash picture.
Estimated remaining funds due at closing
$49,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,044.09
Your down payment$37,044.09
Closing costs + prepaids$12,829.88
Total buyer cash needed$49,873.97
Remaining funds due$49,873.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,830.00
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)$587.25
Initial HOA (3 months)$219.00
Prepaid interest, first (31 days)$1,968.63
Fees + prepaids$12,829.88
Your down payment is the seller’s equity. You take over the $345,956 balance, so the rest of the $383,000 price is paid at closing. A second mortgage can cover part of it. $49,873.97 is due at closing. Uses and sources reconcile at $395,829.88 each. Not a Closing Disclosure.