Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,910Cash toward the purchase price.
Closing costs + prepaids$12,828Not just lender fees.
Before credits & paid funds$51,737The complete starting cash picture.
Estimated remaining funds due at closing
$51,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,909.60
Your down payment$38,909.60
Closing costs + prepaids$12,827.72
Total buyer cash needed$51,737.31
Remaining funds due$51,737.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$1,621.00
Initial HOA (3 months)$56.49
Prepaid interest, first (28 days)$1,526.23
Fees + prepaids$12,827.72
Your down payment is the seller’s equity. You take over the $300,990 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $51,737.31 is due at closing. Uses and sources reconcile at $352,727.72 each. Not a Closing Disclosure.