Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,271Cash toward the purchase price.
Closing costs + prepaids$10,154Not just lender fees.
Before credits & paid funds$48,424The complete starting cash picture.
Estimated remaining funds due at closing
$48,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,270.89
Your down payment$38,270.89
Closing costs + prepaids$10,153.61
Total buyer cash needed$48,424.50
Remaining funds due$48,424.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,198.00
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)$212.25
Initial HOA (3 months)$1,062.00
Prepaid interest, first (31 days)$456.36
Fees + prepaids$10,153.61
Your down payment is the seller’s equity. You take over the $181,529 balance, so the rest of the $219,800 price is paid at closing. A second mortgage can cover part of it. $48,424.50 is due at closing. Uses and sources reconcile at $229,953.61 each. Not a Closing Disclosure.