Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,806Cash toward the purchase price.
Closing costs + prepaids$11,370Not just lender fees.
Before credits & paid funds$51,176The complete starting cash picture.
Estimated remaining funds due at closing
$51,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,806.31
Your down payment$39,806.31
Closing costs + prepaids$11,370.14
Total buyer cash needed$51,176.45
Remaining funds due$51,176.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$384.75
Prepaid interest, first (26 days)$1,370.39
Fees + prepaids$11,370.14
Your down payment is the seller’s equity. You take over the $299,194 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $51,176.45 is due at closing. Uses and sources reconcile at $350,370.14 each. Not a Closing Disclosure.