Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$39,760Cash toward the purchase price.
Closing costs + prepaids$13,426Not just lender fees.
Before credits & paid funds$53,186The complete starting cash picture.
Estimated remaining funds due at closing
$53,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,759.92
Your down payment$39,759.92
Closing costs + prepaids$13,426.34
Total buyer cash needed$53,186.26
Remaining funds due$53,186.26
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)$1,349.25
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$1,777.09
Fees + prepaids$13,426.34
Your down payment is the seller’s equity. You take over the $345,240 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $53,186.26 is due at closing. Uses and sources reconcile at $398,426.34 each. Not a Closing Disclosure.