Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$38,223Cash toward the purchase price.
Closing costs + prepaids$13,298Not just lender fees.
Before credits & paid funds$51,521The complete starting cash picture.
Estimated remaining funds due at closing
$51,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,223.01
Your down payment$38,223.01
Closing costs + prepaids$13,298.03
Total buyer cash needed$51,521.04
Remaining funds due$51,521.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,795.00
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)$1,860.75
Prepaid interest, first (22 days)$1,417.28
Fees + prepaids$13,298.03
Your down payment is the seller’s equity. You take over the $341,277 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $51,521.04 is due at closing. Uses and sources reconcile at $392,798.03 each. Not a Closing Disclosure.