Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$38,157Cash toward the purchase price.
Closing costs + prepaids$11,791Not just lender fees.
Before credits & paid funds$49,948The complete starting cash picture.
Estimated remaining funds due at closing
$49,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,156.53
Your down payment$38,156.53
Closing costs + prepaids$11,791.20
Total buyer cash needed$49,947.73
Remaining funds due$49,947.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$382.25
Initial HOA (3 months)$1,344.00
Prepaid interest, first (24 days)$1,049.95
Fees + prepaids$11,791.20
Your down payment is the seller’s equity. You take over the $240,843 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $49,947.73 is due at closing. Uses and sources reconcile at $290,791.20 each. Not a Closing Disclosure.