Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,874Cash toward the purchase price.
Closing costs + prepaids$12,993Not just lender fees.
Before credits & paid funds$52,867The complete starting cash picture.
Estimated remaining funds due at closing
$52,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,873.57
Your down payment$39,873.57
Closing costs + prepaids$12,992.94
Total buyer cash needed$52,866.52
Remaining funds due$52,866.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,479.00
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)$1,665.25
Initial HOA (3 months)$39.51
Prepaid interest, first (26 days)$1,584.18
Fees + prepaids$12,992.94
Your down payment is the seller’s equity. You take over the $308,026 balance, so the rest of the $347,900 price is paid at closing. A second mortgage can cover part of it. $52,866.52 is due at closing. Uses and sources reconcile at $360,892.94 each. Not a Closing Disclosure.