Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,989Cash toward the purchase price.
Closing costs + prepaids$12,579Not just lender fees.
Before credits & paid funds$46,568The complete starting cash picture.
Estimated remaining funds due at closing
$46,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,989.19
Your down payment$33,989.19
Closing costs + prepaids$12,579.06
Total buyer cash needed$46,568.25
Remaining funds due$46,568.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$506.25
Initial HOA (3 months)$258.00
Prepaid interest, first (31 days)$1,939.81
Fees + prepaids$12,579.06
Your down payment is the seller’s equity. You take over the $331,011 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $46,568.25 is due at closing. Uses and sources reconcile at $377,579.06 each. Not a Closing Disclosure.