Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$42,011Cash toward the purchase price.
Closing costs + prepaids$12,209Not just lender fees.
Before credits & paid funds$54,220The complete starting cash picture.
Estimated remaining funds due at closing
$54,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,010.62
Your down payment$42,010.62
Closing costs + prepaids$12,209.13
Total buyer cash needed$54,219.75
Remaining funds due$54,219.75
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)$396.25
Initial HOA (3 months)$60.00
Prepaid interest, first (28 days)$1,728.88
Fees + prepaids$12,209.13
Your down payment is the seller’s equity. You take over the $337,889 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $54,219.75 is due at closing. Uses and sources reconcile at $392,109.13 each. Not a Closing Disclosure.