Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$39,172Cash toward the purchase price.
Closing costs + prepaids$10,603Not just lender fees.
Before credits & paid funds$49,775The complete starting cash picture.
Estimated remaining funds due at closing
$49,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,172.23
Your down payment$39,172.23
Closing costs + prepaids$10,602.93
Total buyer cash needed$49,775.16
Remaining funds due$49,775.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$198.75
Prepaid interest, first (19 days)$529.18
Fees + prepaids$10,602.93
Your down payment is the seller’s equity. You take over the $325,828 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $49,775.16 is due at closing. Uses and sources reconcile at $375,602.93 each. Not a Closing Disclosure.