Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$37,347Cash toward the purchase price.
Closing costs + prepaids$12,405Not just lender fees.
Before credits & paid funds$49,752The complete starting cash picture.
Estimated remaining funds due at closing
$49,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,347.44
Your down payment$37,347.44
Closing costs + prepaids$12,404.51
Total buyer cash needed$49,751.95
Remaining funds due$49,751.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,995.00
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)$632.75
Initial HOA (3 months)$38.76
Prepaid interest, first (23 days)$1,513.00
Fees + prepaids$12,404.51
Your down payment is the seller’s equity. You take over the $362,153 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $49,751.95 is due at closing. Uses and sources reconcile at $411,904.51 each. Not a Closing Disclosure.