Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$39,225Cash toward the purchase price.
Closing costs + prepaids$12,845Not just lender fees.
Before credits & paid funds$52,070The complete starting cash picture.
Estimated remaining funds due at closing
$52,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,224.51
Your down payment$39,224.51
Closing costs + prepaids$12,845.02
Total buyer cash needed$52,069.52
Remaining funds due$52,069.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.99
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)$266.75
Initial HOA (3 months)$135.00
Prepaid interest, first (22 days)$1,718.28
Fees + prepaids$12,845.02
Your down payment is the seller’s equity. You take over the $410,774 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $52,069.52 is due at closing. Uses and sources reconcile at $462,844.02 each. Not a Closing Disclosure.