Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,498Cash toward the purchase price.
Closing costs + prepaids$11,010Not just lender fees.
Before credits & paid funds$49,508The complete starting cash picture.
Estimated remaining funds due at closing
$49,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,498.38
Your down payment$38,498.38
Closing costs + prepaids$11,009.79
Total buyer cash needed$49,508.16
Remaining funds due$49,508.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$548.25
Initial HOA (3 months)$201.00
Prepaid interest, first (1 days)$36.54
Fees + prepaids$11,009.79
Your down payment is the seller’s equity. You take over the $361,402 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $49,508.16 is due at closing. Uses and sources reconcile at $410,909.79 each. Not a Closing Disclosure.