Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$33,702Cash toward the purchase price.
Closing costs + prepaids$12,074Not just lender fees.
Before credits & paid funds$45,776The complete starting cash picture.
Estimated remaining funds due at closing
$45,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,702.35
Your down payment$33,702.35
Closing costs + prepaids$12,073.87
Total buyer cash needed$45,776.21
Remaining funds due$45,776.21
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)$456.25
Initial HOA (3 months)$630.00
Prepaid interest, first (18 days)$1,112.62
Fees + prepaids$12,073.87
Your down payment is the seller’s equity. You take over the $331,298 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $45,776.21 is due at closing. Uses and sources reconcile at $377,073.87 each. Not a Closing Disclosure.