Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$42,587Cash toward the purchase price.
Closing costs + prepaids$11,827Not just lender fees.
Before credits & paid funds$54,414The complete starting cash picture.
Estimated remaining funds due at closing
$54,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,587.38
Your down payment$42,587.38
Closing costs + prepaids$11,827.05
Total buyer cash needed$54,414.42
Remaining funds due$54,414.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$370.25
Initial HOA (3 months)$68.76
Prepaid interest, first (24 days)$1,364.04
Fees + prepaids$11,827.05
Your down payment is the seller’s equity. You take over the $337,313 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $54,414.42 is due at closing. Uses and sources reconcile at $391,727.05 each. Not a Closing Disclosure.