Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$35,077Cash toward the purchase price.
Closing costs + prepaids$11,192Not just lender fees.
Before credits & paid funds$46,269The complete starting cash picture.
Estimated remaining funds due at closing
$46,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,076.58
Your down payment$35,076.58
Closing costs + prepaids$11,192.45
Total buyer cash needed$46,269.03
Remaining funds due$46,269.03
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)$1,043.75
Prepaid interest, first (2 days)$124.70
Fees + prepaids$11,192.45
Your down payment is the seller’s equity. You take over the $344,823 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $46,269.03 is due at closing. Uses and sources reconcile at $391,092.45 each. Not a Closing Disclosure.