Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$39,842Cash toward the purchase price.
Closing costs + prepaids$12,560Not just lender fees.
Before credits & paid funds$52,402The complete starting cash picture.
Estimated remaining funds due at closing
$52,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,842.44
Your down payment$39,842.44
Closing costs + prepaids$12,559.98
Total buyer cash needed$52,402.42
Remaining funds due$52,402.42
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)$508.00
Initial HOA (3 months)$693.00
Prepaid interest, first (23 days)$1,334.98
Fees + prepaids$12,559.98
Your down payment is the seller’s equity. You take over the $340,058 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $52,402.42 is due at closing. Uses and sources reconcile at $392,459.98 each. Not a Closing Disclosure.