Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,382Cash toward the purchase price.
Closing costs + prepaids$27,082Not just lender fees.
Before credits & paid funds$65,465The complete starting cash picture.
Estimated remaining funds due at closing
$65,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,382.43
Your down payment$38,382.43
Closing costs + prepaids$27,082.38
Total buyer cash needed$65,464.81
Remaining funds due$65,464.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,494.60
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,873.75
Prepaid interest, first (28 days)$5,489.03
Fees + prepaids$27,082.38
Your down payment is the seller’s equity. You take over the $1,111,078 balance, so the rest of the $1,149,460 price is paid at closing. A second mortgage can cover part of it. $65,464.81 is due at closing. Uses and sources reconcile at $1,176,542.38 each. Not a Closing Disclosure.