Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$38,146Cash toward the purchase price.
Closing costs + prepaids$13,258Not just lender fees.
Before credits & paid funds$51,404The complete starting cash picture.
Estimated remaining funds due at closing
$51,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,146.45
Your down payment$38,146.45
Closing costs + prepaids$13,257.90
Total buyer cash needed$51,404.35
Remaining funds due$51,404.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$887.75
Initial HOA (3 months)$480.00
Prepaid interest, first (24 days)$1,675.15
Fees + prepaids$13,257.90
Your down payment is the seller’s equity. You take over the $360,854 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $51,404.35 is due at closing. Uses and sources reconcile at $412,257.90 each. Not a Closing Disclosure.