Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,392Cash toward the purchase price.
Closing costs + prepaids$11,800Not just lender fees.
Before credits & paid funds$62,193The complete starting cash picture.
Estimated remaining funds due at closing
$62,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,392.32
Your down payment$50,392.32
Closing costs + prepaids$11,800.38
Total buyer cash needed$62,192.69
Remaining funds due$62,192.69
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)$249.25
Prepaid interest, first (26 days)$1,526.13
Fees + prepaids$11,800.38
Your down payment is the seller’s equity. You take over the $329,608 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $62,192.69 is due at closing. Uses and sources reconcile at $391,800.38 each. Not a Closing Disclosure.