Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$27,052Cash toward the purchase price.
Closing costs + prepaids$12,394Not just lender fees.
Before credits & paid funds$39,446The complete starting cash picture.
Estimated remaining funds due at closing
$39,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,052.16
Your down payment$27,052.16
Closing costs + prepaids$12,393.83
Total buyer cash needed$39,446.00
Remaining funds due$39,446.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,780.00
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)$562.75
Initial HOA (3 months)$60.00
Prepaid interest, first (28 days)$1,766.08
Fees + prepaids$12,393.83
Your down payment is the seller’s equity. You take over the $350,948 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $39,446.00 is due at closing. Uses and sources reconcile at $390,393.83 each. Not a Closing Disclosure.