Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,631Cash toward the purchase price.
Closing costs + prepaids$13,513Not just lender fees.
Before credits & paid funds$52,144The complete starting cash picture.
Estimated remaining funds due at closing
$52,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,630.50
Your down payment$38,630.50
Closing costs + prepaids$13,513.18
Total buyer cash needed$52,143.69
Remaining funds due$52,143.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$360.75
Initial HOA (3 months)$417.00
Prepaid interest, first (31 days)$2,210.43
Fees + prepaids$13,513.18
Your down payment is the seller’s equity. You take over the $391,369 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $52,143.69 is due at closing. Uses and sources reconcile at $443,513.18 each. Not a Closing Disclosure.