Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,762Cash toward the purchase price.
Closing costs + prepaids$12,166Not just lender fees.
Before credits & paid funds$51,928The complete starting cash picture.
Estimated remaining funds due at closing
$51,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,762.02
Your down payment$39,762.02
Closing costs + prepaids$12,166.17
Total buyer cash needed$51,928.19
Remaining funds due$51,928.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$513.25
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$1,368.92
Fees + prepaids$12,166.17
Your down payment is the seller’s equity. You take over the $345,138 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $51,928.19 is due at closing. Uses and sources reconcile at $397,066.17 each. Not a Closing Disclosure.