Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,676Cash toward the purchase price.
Closing costs + prepaids$12,093Not just lender fees.
Before credits & paid funds$50,769The complete starting cash picture.
Estimated remaining funds due at closing
$50,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,676.13
Your down payment$38,676.13
Closing costs + prepaids$12,092.88
Total buyer cash needed$50,769.02
Remaining funds due$50,769.02
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)$308.00
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$1,723.88
Fees + prepaids$12,092.88
Your down payment is the seller’s equity. You take over the $326,324 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $50,769.02 is due at closing. Uses and sources reconcile at $377,092.88 each. Not a Closing Disclosure.