Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$30,715Cash toward the purchase price.
Closing costs + prepaids$11,705Not just lender fees.
Before credits & paid funds$42,420The complete starting cash picture.
Estimated remaining funds due at closing
$42,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,714.79
Your down payment$30,714.79
Closing costs + prepaids$11,704.93
Total buyer cash needed$42,419.72
Remaining funds due$42,419.72
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)$795.00
Prepaid interest, first (7 days)$429.93
Fees + prepaids$11,704.93
Your down payment is the seller’s equity. You take over the $349,185 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $42,419.72 is due at closing. Uses and sources reconcile at $391,604.93 each. Not a Closing Disclosure.