Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$34,153Cash toward the purchase price.
Closing costs + prepaids$11,576Not just lender fees.
Before credits & paid funds$45,730The complete starting cash picture.
Estimated remaining funds due at closing
$45,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,153.22
Your down payment$34,153.22
Closing costs + prepaids$11,576.35
Total buyer cash needed$45,729.56
Remaining funds due$45,729.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,870.00
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)$257.50
Prepaid interest, first (20 days)$1,223.85
Fees + prepaids$11,576.35
Your down payment is the seller’s equity. You take over the $352,847 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $45,729.56 is due at closing. Uses and sources reconcile at $398,576.35 each. Not a Closing Disclosure.