Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$38,323Cash toward the purchase price.
Closing costs + prepaids$12,682Not just lender fees.
Before credits & paid funds$51,005The complete starting cash picture.
Estimated remaining funds due at closing
$51,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,322.86
Your down payment$38,322.86
Closing costs + prepaids$12,682.32
Total buyer cash needed$51,005.18
Remaining funds due$51,005.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$884.00
Prepaid interest, first (27 days)$1,723.32
Fees + prepaids$12,682.32
Your down payment is the seller’s equity. You take over the $346,677 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $51,005.18 is due at closing. Uses and sources reconcile at $397,682.32 each. Not a Closing Disclosure.