Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$36,462Cash toward the purchase price.
Closing costs + prepaids$11,323Not just lender fees.
Before credits & paid funds$47,785The complete starting cash picture.
Estimated remaining funds due at closing
$47,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,461.99
Your down payment$36,461.99
Closing costs + prepaids$11,323.23
Total buyer cash needed$47,785.22
Remaining funds due$47,785.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,280.00
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)$211.25
Initial HOA (3 months)$510.00
Prepaid interest, first (21 days)$1,096.98
Fees + prepaids$11,323.23
Your down payment is the seller’s equity. You take over the $291,538 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $47,785.22 is due at closing. Uses and sources reconcile at $339,323.23 each. Not a Closing Disclosure.