Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$39,869Cash toward the purchase price.
Closing costs + prepaids$13,107Not just lender fees.
Before credits & paid funds$52,976The complete starting cash picture.
Estimated remaining funds due at closing
$52,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,868.73
Your down payment$39,868.73
Closing costs + prepaids$13,106.97
Total buyer cash needed$52,975.70
Remaining funds due$52,975.70
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)$1,825.25
Prepaid interest, first (22 days)$1,256.72
Fees + prepaids$13,106.97
Your down payment is the seller’s equity. You take over the $340,131 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $52,975.70 is due at closing. Uses and sources reconcile at $393,106.97 each. Not a Closing Disclosure.