Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$39,767Cash toward the purchase price.
Closing costs + prepaids$11,741Not just lender fees.
Before credits & paid funds$51,508The complete starting cash picture.
Estimated remaining funds due at closing
$51,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,766.83
Your down payment$39,766.83
Closing costs + prepaids$11,741.33
Total buyer cash needed$51,508.15
Remaining funds due$51,508.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,170.00
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)$500.50
Prepaid interest, first (12 days)$845.83
Fees + prepaids$11,741.33
Your down payment is the seller’s equity. You take over the $377,233 balance, so the rest of the $417,000 price is paid at closing. A second mortgage can cover part of it. $51,508.15 is due at closing. Uses and sources reconcile at $428,741.33 each. Not a Closing Disclosure.