Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$37,000Cash toward the purchase price.
Closing costs + prepaids$11,952Not just lender fees.
Before credits & paid funds$48,952The complete starting cash picture.
Estimated remaining funds due at closing
$48,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,000.01
Your down payment$37,000.01
Closing costs + prepaids$11,951.85
Total buyer cash needed$48,951.85
Remaining funds due$48,951.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$690.00
Prepaid interest, first (17 days)$931.60
Fees + prepaids$11,951.85
Your down payment is the seller’s equity. You take over the $327,900 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $48,951.85 is due at closing. Uses and sources reconcile at $376,851.85 each. Not a Closing Disclosure.