Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$38,812Cash toward the purchase price.
Closing costs + prepaids$11,393Not just lender fees.
Before credits & paid funds$50,204The complete starting cash picture.
Estimated remaining funds due at closing
$50,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,811.68
Your down payment$38,811.68
Closing costs + prepaids$11,392.70
Total buyer cash needed$50,204.38
Remaining funds due$50,204.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,170.00
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)$552.00
Initial HOA (3 months)$120.00
Prepaid interest, first (26 days)$1,325.70
Fees + prepaids$11,392.70
Your down payment is the seller’s equity. You take over the $278,188 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $50,204.38 is due at closing. Uses and sources reconcile at $328,392.70 each. Not a Closing Disclosure.