Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$36,634Cash toward the purchase price.
Closing costs + prepaids$10,988Not just lender fees.
Before credits & paid funds$47,622The complete starting cash picture.
Estimated remaining funds due at closing
$47,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,633.75
Your down payment$36,633.75
Closing costs + prepaids$10,988.41
Total buyer cash needed$47,622.16
Remaining funds due$47,622.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,830.00
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)$587.25
Initial HOA (3 months)$219.00
Prepaid interest, first (2 days)$127.16
Fees + prepaids$10,988.41
Your down payment is the seller’s equity. You take over the $346,366 balance, so the rest of the $383,000 price is paid at closing. A second mortgage can cover part of it. $47,622.16 is due at closing. Uses and sources reconcile at $393,988.41 each. Not a Closing Disclosure.