Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$47,242Cash toward the purchase price.
Closing costs + prepaids$11,181Not just lender fees.
Before credits & paid funds$58,424The complete starting cash picture.
Estimated remaining funds due at closing
$58,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,242.34
Your down payment$47,242.34
Closing costs + prepaids$11,181.23
Total buyer cash needed$58,423.56
Remaining funds due$58,423.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$468.00
Prepaid interest, first (12 days)$588.23
Fees + prepaids$11,181.23
Your down payment is the seller’s equity. You take over the $342,758 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $58,423.56 is due at closing. Uses and sources reconcile at $401,181.23 each. Not a Closing Disclosure.