Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$39,408Cash toward the purchase price.
Closing costs + prepaids$11,073Not just lender fees.
Before credits & paid funds$50,481The complete starting cash picture.
Estimated remaining funds due at closing
$50,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,407.75
Your down payment$39,407.75
Closing costs + prepaids$11,072.86
Total buyer cash needed$50,480.61
Remaining funds due$50,480.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$462.50
Initial HOA (3 months)$120.00
Prepaid interest, first (15 days)$566.36
Fees + prepaids$11,072.86
Your down payment is the seller’s equity. You take over the $330,492 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $50,480.61 is due at closing. Uses and sources reconcile at $380,972.86 each. Not a Closing Disclosure.