Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$38,337Cash toward the purchase price.
Closing costs + prepaids$11,325Not just lender fees.
Before credits & paid funds$49,662The complete starting cash picture.
Estimated remaining funds due at closing
$49,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,336.61
Your down payment$38,336.61
Closing costs + prepaids$11,324.96
Total buyer cash needed$49,661.56
Remaining funds due$49,661.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$212.25
Prepaid interest, first (20 days)$1,087.71
Fees + prepaids$11,324.96
Your down payment is the seller’s equity. You take over the $341,663 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $49,661.56 is due at closing. Uses and sources reconcile at $391,324.96 each. Not a Closing Disclosure.