Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$39,386Cash toward the purchase price.
Closing costs + prepaids$13,009Not just lender fees.
Before credits & paid funds$52,395The complete starting cash picture.
Estimated remaining funds due at closing
$52,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,386.24
Your down payment$39,386.24
Closing costs + prepaids$13,008.98
Total buyer cash needed$52,395.22
Remaining funds due$52,395.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,975.00
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)$517.50
Initial HOA (3 months)$75.00
Prepaid interest, first (29 days)$2,216.48
Fees + prepaids$13,008.98
Your down payment is the seller’s equity. You take over the $358,114 balance, so the rest of the $397,500 price is paid at closing. A second mortgage can cover part of it. $52,395.22 is due at closing. Uses and sources reconcile at $410,508.98 each. Not a Closing Disclosure.