Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$40,839Cash toward the purchase price.
Closing costs + prepaids$10,722Not just lender fees.
Before credits & paid funds$51,561The complete starting cash picture.
Estimated remaining funds due at closing
$51,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,839.46
Your down payment$40,839.46
Closing costs + prepaids$10,721.76
Total buyer cash needed$51,561.23
Remaining funds due$51,561.23
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)$444.00
Prepaid interest, first (6 days)$353.76
Fees + prepaids$10,721.76
Your down payment is the seller’s equity. You take over the $329,061 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $51,561.23 is due at closing. Uses and sources reconcile at $380,621.76 each. Not a Closing Disclosure.