Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$34,197Cash toward the purchase price.
Closing costs + prepaids$11,347Not just lender fees.
Before credits & paid funds$45,544The complete starting cash picture.
Estimated remaining funds due at closing
$45,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,197.16
Your down payment$34,197.16
Closing costs + prepaids$11,346.93
Total buyer cash needed$45,544.10
Remaining funds due$45,544.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,963.70
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)$475.75
Initial HOA (3 months)$360.00
Prepaid interest, first (10 days)$322.48
Fees + prepaids$11,346.93
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $396,370 price is paid at closing. A second mortgage can cover part of it. $45,544.10 is due at closing. Uses and sources reconcile at $407,716.93 each. Not a Closing Disclosure.