Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,524Cash toward the purchase price.
Closing costs + prepaids$10,699Not just lender fees.
Before credits & paid funds$49,223The complete starting cash picture.
Estimated remaining funds due at closing
$49,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,523.60
Your down payment$38,523.60
Closing costs + prepaids$10,699.27
Total buyer cash needed$49,222.87
Remaining funds due$49,222.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$91.25
Initial HOA (3 months)$207.00
Prepaid interest, first (1 days)$77.02
Fees + prepaids$10,699.27
Your down payment is the seller’s equity. You take over the $371,376 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $49,222.87 is due at closing. Uses and sources reconcile at $420,599.27 each. Not a Closing Disclosure.