Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$38,297Cash toward the purchase price.
Closing costs + prepaids$12,834Not just lender fees.
Before credits & paid funds$51,131The complete starting cash picture.
Estimated remaining funds due at closing
$51,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,296.70
Your down payment$38,296.70
Closing costs + prepaids$12,833.87
Total buyer cash needed$51,130.58
Remaining funds due$51,130.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$638.00
Initial HOA (3 months)$450.00
Prepaid interest, first (26 days)$1,720.87
Fees + prepaids$12,833.87
Your down payment is the seller’s equity. You take over the $341,703 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $51,130.58 is due at closing. Uses and sources reconcile at $392,833.87 each. Not a Closing Disclosure.