Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$40,765Cash toward the purchase price.
Closing costs + prepaids$12,116Not just lender fees.
Before credits & paid funds$52,881The complete starting cash picture.
Estimated remaining funds due at closing
$52,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,764.86
Your down payment$40,764.86
Closing costs + prepaids$12,116.31
Total buyer cash needed$52,881.17
Remaining funds due$52,881.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$659.50
Initial HOA (3 months)$210.00
Prepaid interest, first (20 days)$1,281.81
Fees + prepaids$12,116.31
Your down payment is the seller’s equity. You take over the $333,235 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $52,881.17 is due at closing. Uses and sources reconcile at $386,116.31 each. Not a Closing Disclosure.