Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$39,280Cash toward the purchase price.
Closing costs + prepaids$12,778Not just lender fees.
Before credits & paid funds$52,058The complete starting cash picture.
Estimated remaining funds due at closing
$52,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,280.19
Your down payment$39,280.19
Closing costs + prepaids$12,778.09
Total buyer cash needed$52,058.27
Remaining funds due$52,058.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$591.00
Initial HOA (3 months)$112.50
Prepaid interest, first (25 days)$1,600.59
Fees + prepaids$12,778.09
Your down payment is the seller’s equity. You take over the $385,620 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $52,058.27 is due at closing. Uses and sources reconcile at $437,678.09 each. Not a Closing Disclosure.