Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,267Cash toward the purchase price.
Closing costs + prepaids$13,159Not just lender fees.
Before credits & paid funds$52,426The complete starting cash picture.
Estimated remaining funds due at closing
$52,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,266.69
Your down payment$39,266.69
Closing costs + prepaids$13,159.20
Total buyer cash needed$52,425.89
Remaining funds due$52,425.89
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)$627.50
Initial HOA (3 months)$234.00
Prepaid interest, first (31 days)$1,973.70
Fees + prepaids$13,159.20
Your down payment is the seller’s equity. You take over the $370,633 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $52,425.89 is due at closing. Uses and sources reconcile at $423,059.20 each. Not a Closing Disclosure.