Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,312Cash toward the purchase price.
Closing costs + prepaids$13,152Not just lender fees.
Before credits & paid funds$47,464The complete starting cash picture.
Estimated remaining funds due at closing
$47,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,312.09
Your down payment$34,312.09
Closing costs + prepaids$13,152.11
Total buyer cash needed$47,464.20
Remaining funds due$47,464.20
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)$1,465.25
Initial HOA (3 months)$432.00
Prepaid interest, first (26 days)$1,230.86
Fees + prepaids$13,152.11
Your down payment is the seller’s equity. You take over the $345,588 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $47,464.20 is due at closing. Uses and sources reconcile at $393,052.11 each. Not a Closing Disclosure.