Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$31,666Cash toward the purchase price.
Closing costs + prepaids$11,586Not just lender fees.
Before credits & paid funds$43,251The complete starting cash picture.
Estimated remaining funds due at closing
$43,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,665.67
Your down payment$31,665.67
Closing costs + prepaids$11,585.83
Total buyer cash needed$43,251.49
Remaining funds due$43,251.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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
Initial HOA (3 months)$396.00
Prepaid interest, first (10 days)$709.83
Fees + prepaids$11,585.83
Your down payment is the seller’s equity. You take over the $348,234 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $43,251.49 is due at closing. Uses and sources reconcile at $391,485.83 each. Not a Closing Disclosure.