Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$35,715Cash toward the purchase price.
Closing costs + prepaids$10,849Not just lender fees.
Before credits & paid funds$46,565The complete starting cash picture.
Estimated remaining funds due at closing
$46,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,715.14
Your down payment$35,715.14
Closing costs + prepaids$10,849.46
Total buyer cash needed$46,564.61
Remaining funds due$46,564.61
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)$345.50
Initial HOA (3 months)$494.01
Prepaid interest, first (1 days)$34.95
Fees + prepaids$10,849.46
Your down payment is the seller’s equity. You take over the $339,285 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $46,564.61 is due at closing. Uses and sources reconcile at $385,849.46 each. Not a Closing Disclosure.