Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$38,042Cash toward the purchase price.
Closing costs + prepaids$12,221Not just lender fees.
Before credits & paid funds$50,263The complete starting cash picture.
Estimated remaining funds due at closing
$50,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,041.93
Your down payment$38,041.93
Closing costs + prepaids$12,221.32
Total buyer cash needed$50,263.25
Remaining funds due$50,263.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.90
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)$550.00
Initial HOA (3 months)$165.00
Prepaid interest, first (12 days)$881.42
Fees + prepaids$12,221.32
Your down payment is the seller’s equity. You take over the $401,948 balance, so the rest of the $439,990 price is paid at closing. A second mortgage can cover part of it. $50,263.25 is due at closing. Uses and sources reconcile at $452,211.32 each. Not a Closing Disclosure.