Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$38,573Cash toward the purchase price.
Closing costs + prepaids$11,106Not just lender fees.
Before credits & paid funds$49,679The complete starting cash picture.
Estimated remaining funds due at closing
$49,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,572.92
Your down payment$38,572.92
Closing costs + prepaids$11,105.84
Total buyer cash needed$49,678.76
Remaining funds due$49,678.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$454.75
Prepaid interest, first (10 days)$636.09
Fees + prepaids$11,105.84
Your down payment is the seller’s equity. You take over the $340,427 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $49,678.76 is due at closing. Uses and sources reconcile at $390,105.84 each. Not a Closing Disclosure.