Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$39,218Cash toward the purchase price.
Closing costs + prepaids$11,691Not just lender fees.
Before credits & paid funds$50,909The complete starting cash picture.
Estimated remaining funds due at closing
$50,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,218.12
Your down payment$39,218.12
Closing costs + prepaids$11,690.59
Total buyer cash needed$50,908.70
Remaining funds due$50,908.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$808.50
Prepaid interest, first (23 days)$1,258.09
Fees + prepaids$11,690.59
Your down payment is the seller’s equity. You take over the $300,682 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $50,908.70 is due at closing. Uses and sources reconcile at $351,590.59 each. Not a Closing Disclosure.