Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$39,386Cash toward the purchase price.
Closing costs + prepaids$12,168Not just lender fees.
Before credits & paid funds$51,554The complete starting cash picture.
Estimated remaining funds due at closing
$51,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,386.24
Your down payment$39,386.24
Closing costs + prepaids$12,168.25
Total buyer cash needed$51,554.49
Remaining funds due$51,554.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,975.00
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)$517.50
Initial HOA (3 months)$75.00
Prepaid interest, first (18 days)$1,375.75
Fees + prepaids$12,168.25
Your down payment is the seller’s equity. You take over the $358,114 balance, so the rest of the $397,500 price is paid at closing. A second mortgage can cover part of it. $51,554.49 is due at closing. Uses and sources reconcile at $409,668.25 each. Not a Closing Disclosure.