Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$42,001Cash toward the purchase price.
Closing costs + prepaids$12,136Not just lender fees.
Before credits & paid funds$54,137The complete starting cash picture.
Estimated remaining funds due at closing
$54,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,000.52
Your down payment$42,000.52
Closing costs + prepaids$12,136.39
Total buyer cash needed$54,136.91
Remaining funds due$54,136.91
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)$616.25
Prepaid interest, first (26 days)$1,505.14
Fees + prepaids$12,136.39
Your down payment is the seller’s equity. You take over the $336,999 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $54,136.91 is due at closing. Uses and sources reconcile at $391,136.39 each. Not a Closing Disclosure.