Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,097Cash toward the purchase price.
Closing costs + prepaids$12,645Not just lender fees.
Before credits & paid funds$51,743The complete starting cash picture.
Estimated remaining funds due at closing
$51,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,097.41
Your down payment$39,097.41
Closing costs + prepaids$12,645.42
Total buyer cash needed$51,742.83
Remaining funds due$51,742.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$488.00
Initial HOA (3 months)$252.00
Prepaid interest, first (31 days)$1,881.42
Fees + prepaids$12,645.42
Your down payment is the seller’s equity. You take over the $340,803 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $51,742.83 is due at closing. Uses and sources reconcile at $392,545.42 each. Not a Closing Disclosure.