Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$32,793Cash toward the purchase price.
Closing costs + prepaids$12,235Not just lender fees.
Before credits & paid funds$45,027The complete starting cash picture.
Estimated remaining funds due at closing
$45,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,792.60
Your down payment$32,792.60
Closing costs + prepaids$12,234.85
Total buyer cash needed$45,027.45
Remaining funds due$45,027.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.99
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)$900.75
Initial HOA (3 months)$270.00
Prepaid interest, first (18 days)$1,139.11
Fees + prepaids$12,234.85
Your down payment is the seller’s equity. You take over the $337,206 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $45,027.45 is due at closing. Uses and sources reconcile at $382,233.85 each. Not a Closing Disclosure.