Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$39,933Cash toward the purchase price.
Closing costs + prepaids$12,891Not just lender fees.
Before credits & paid funds$52,824The complete starting cash picture.
Estimated remaining funds due at closing
$52,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,932.94
Your down payment$39,932.94
Closing costs + prepaids$12,890.59
Total buyer cash needed$52,823.53
Remaining funds due$52,823.53
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)$1,348.75
Prepaid interest, first (24 days)$1,517.84
Fees + prepaids$12,890.59
Your down payment is the seller’s equity. You take over the $339,967 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $52,823.53 is due at closing. Uses and sources reconcile at $392,790.59 each. Not a Closing Disclosure.