Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$33,989Cash toward the purchase price.
Closing costs + prepaids$11,766Not just lender fees.
Before credits & paid funds$45,755The complete starting cash picture.
Estimated remaining funds due at closing
$45,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,989.19
Your down payment$33,989.19
Closing costs + prepaids$11,765.59
Total buyer cash needed$45,754.78
Remaining funds due$45,754.78
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)$506.25
Initial HOA (3 months)$258.00
Prepaid interest, first (18 days)$1,126.34
Fees + prepaids$11,765.59
Your down payment is the seller’s equity. You take over the $331,011 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $45,754.78 is due at closing. Uses and sources reconcile at $376,765.59 each. Not a Closing Disclosure.