Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,021Cash toward the purchase price.
Closing costs + prepaids$15,470Not just lender fees.
Before credits & paid funds$53,490The complete starting cash picture.
Estimated remaining funds due at closing
$53,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,020.57
Your down payment$38,020.57
Closing costs + prepaids$15,469.77
Total buyer cash needed$53,490.34
Remaining funds due$53,490.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,929.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,956.50
Prepaid interest, first (25 days)$2,109.27
Fees + prepaids$15,469.77
Your down payment is the seller’s equity. You take over the $454,879 balance, so the rest of the $492,900 price is paid at closing. A second mortgage can cover part of it. $53,490.34 is due at closing. Uses and sources reconcile at $508,369.77 each. Not a Closing Disclosure.