Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$38,686Cash toward the purchase price.
Closing costs + prepaids$12,973Not just lender fees.
Before credits & paid funds$51,659The complete starting cash picture.
Estimated remaining funds due at closing
$51,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,686.10
Your down payment$38,686.10
Closing costs + prepaids$12,973.19
Total buyer cash needed$51,659.29
Remaining funds due$51,659.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,970.00
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)$1,182.00
Initial HOA (3 months)$33.75
Prepaid interest, first (23 days)$1,562.44
Fees + prepaids$12,973.19
Your down payment is the seller’s equity. You take over the $358,314 balance, so the rest of the $397,000 price is paid at closing. A second mortgage can cover part of it. $51,659.29 is due at closing. Uses and sources reconcile at $409,973.19 each. Not a Closing Disclosure.