Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,570Cash toward the purchase price.
Closing costs + prepaids$12,739Not just lender fees.
Before credits & paid funds$57,309The complete starting cash picture.
Estimated remaining funds due at closing
$57,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,569.58
Your down payment$44,569.58
Closing costs + prepaids$12,739.34
Total buyer cash needed$57,308.92
Remaining funds due$57,308.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$1,172.75
Prepaid interest, first (25 days)$1,541.60
Fees + prepaids$12,739.34
Your down payment is the seller’s equity. You take over the $335,429 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $57,308.92 is due at closing. Uses and sources reconcile at $392,738.34 each. Not a Closing Disclosure.