Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$33,686Cash toward the purchase price.
Closing costs + prepaids$13,008Not just lender fees.
Before credits & paid funds$46,694The complete starting cash picture.
Estimated remaining funds due at closing
$46,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,685.82
Your down payment$33,685.82
Closing costs + prepaids$13,007.79
Total buyer cash needed$46,693.62
Remaining funds due$46,693.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,679.93
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)$1,580.25
Initial HOA (3 months)$390.00
Prepaid interest, first (18 days)$1,132.61
Fees + prepaids$13,007.79
Your down payment is the seller’s equity. You take over the $334,307 balance, so the rest of the $367,993 price is paid at closing. A second mortgage can cover part of it. $46,693.62 is due at closing. Uses and sources reconcile at $381,000.79 each. Not a Closing Disclosure.