Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$38,045Cash toward the purchase price.
Closing costs + prepaids$12,383Not just lender fees.
Before credits & paid funds$50,428The complete starting cash picture.
Estimated remaining funds due at closing
$50,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,044.92
Your down payment$38,044.92
Closing costs + prepaids$12,382.68
Total buyer cash needed$50,427.60
Remaining funds due$50,427.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.99
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)$1,584.25
Initial HOA (3 months)$31.26
Prepaid interest, first (25 days)$1,342.18
Fees + prepaids$12,382.68
Your down payment is the seller’s equity. You take over the $281,954 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $50,427.60 is due at closing. Uses and sources reconcile at $332,381.68 each. Not a Closing Disclosure.