Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,069Cash toward the purchase price.
Closing costs + prepaids$11,534Not just lender fees.
Before credits & paid funds$49,604The complete starting cash picture.
Estimated remaining funds due at closing
$49,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,069.47
Your down payment$38,069.47
Closing costs + prepaids$11,534.07
Total buyer cash needed$49,603.54
Remaining funds due$49,603.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$324.50
Initial HOA (3 months)$1,119.00
Prepaid interest, first (2 days)$115.57
Fees + prepaids$11,534.07
Your down payment is the seller’s equity. You take over the $336,931 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $49,603.54 is due at closing. Uses and sources reconcile at $386,534.07 each. Not a Closing Disclosure.