Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$38,775Cash toward the purchase price.
Closing costs + prepaids$10,632Not just lender fees.
Before credits & paid funds$49,407The complete starting cash picture.
Estimated remaining funds due at closing
$49,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,775.21
Your down payment$38,775.21
Closing costs + prepaids$10,631.89
Total buyer cash needed$49,407.10
Remaining funds due$49,407.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$418.75
Prepaid interest, first (13 days)$639.14
Fees + prepaids$10,631.89
Your down payment is the seller’s equity. You take over the $296,125 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $49,407.10 is due at closing. Uses and sources reconcile at $345,531.89 each. Not a Closing Disclosure.