Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$38,899Cash toward the purchase price.
Closing costs + prepaids$11,577Not just lender fees.
Before credits & paid funds$50,476The complete starting cash picture.
Estimated remaining funds due at closing
$50,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,898.97
Your down payment$38,898.97
Closing costs + prepaids$11,576.79
Total buyer cash needed$50,475.76
Remaining funds due$50,475.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$412.50
Prepaid interest, first (27 days)$1,640.29
Fees + prepaids$11,576.79
Your down payment is the seller’s equity. You take over the $291,001 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $50,475.76 is due at closing. Uses and sources reconcile at $341,476.79 each. Not a Closing Disclosure.