Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$31,436Cash toward the purchase price.
Closing costs + prepaids$12,355Not just lender fees.
Before credits & paid funds$43,791The complete starting cash picture.
Estimated remaining funds due at closing
$43,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,436.28
Your down payment$31,436.28
Closing costs + prepaids$12,354.93
Total buyer cash needed$43,791.22
Remaining funds due$43,791.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$568.50
Prepaid interest, first (27 days)$1,771.43
Fees + prepaids$12,354.93
Your down payment is the seller’s equity. You take over the $347,564 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $43,791.22 is due at closing. Uses and sources reconcile at $391,354.93 each. Not a Closing Disclosure.