Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,172Cash toward the purchase price.
Closing costs + prepaids$10,937Not just lender fees.
Before credits & paid funds$50,109The complete starting cash picture.
Estimated remaining funds due at closing
$50,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,172.23
Your down payment$39,172.23
Closing costs + prepaids$10,937.15
Total buyer cash needed$50,109.37
Remaining funds due$50,109.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$198.75
Prepaid interest, first (31 days)$863.40
Fees + prepaids$10,937.15
Your down payment is the seller’s equity. You take over the $325,828 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $50,109.37 is due at closing. Uses and sources reconcile at $375,937.15 each. Not a Closing Disclosure.