Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$38,337Cash toward the purchase price.
Closing costs + prepaids$10,970Not just lender fees.
Before credits & paid funds$49,307The complete starting cash picture.
Estimated remaining funds due at closing
$49,307No 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$10,970.47
Total buyer cash needed$49,307.07
Remaining funds due$49,307.07
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)$456.00
Prepaid interest, first (9 days)$489.47
Fees + prepaids$10,970.47
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. $49,307.07 is due at closing. Uses and sources reconcile at $390,970.47 each. Not a Closing Disclosure.