Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$33,454Cash toward the purchase price.
Closing costs + prepaids$12,309Not just lender fees.
Before credits & paid funds$45,763The complete starting cash picture.
Estimated remaining funds due at closing
$45,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,453.52
Your down payment$33,453.52
Closing costs + prepaids$12,309.42
Total buyer cash needed$45,762.94
Remaining funds due$45,762.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$981.25
Initial HOA (3 months)$50.01
Prepaid interest, first (18 days)$1,203.16
Fees + prepaids$12,309.42
Your down payment is the seller’s equity. You take over the $351,546 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $45,762.94 is due at closing. Uses and sources reconcile at $397,309.42 each. Not a Closing Disclosure.