Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,069Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$49,546The complete starting cash picture.
Estimated remaining funds due at closing
$49,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,069.47
Your down payment$38,069.47
Closing costs + prepaids$11,476.29
Total buyer cash needed$49,545.76
Remaining funds due$49,545.76
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)$324.50
Initial HOA (3 months)$1,119.00
Prepaid interest, first (1 days)$57.79
Fees + prepaids$11,476.29
Your down payment is the seller’s equity. You take over the $336,931 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $49,545.76 is due at closing. Uses and sources reconcile at $386,476.29 each. Not a Closing Disclosure.