Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,564Cash toward the purchase price.
Closing costs + prepaids$13,343Not just lender fees.
Before credits & paid funds$51,907The complete starting cash picture.
Estimated remaining funds due at closing
$51,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,563.67
Your down payment$38,563.67
Closing costs + prepaids$13,342.83
Total buyer cash needed$51,906.50
Remaining funds due$51,906.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,340.00
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)$1,006.00
Initial HOA (3 months)$72.00
Prepaid interest, first (30 days)$1,699.83
Fees + prepaids$13,342.83
Your down payment is the seller’s equity. You take over the $395,436 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $51,906.50 is due at closing. Uses and sources reconcile at $447,342.83 each. Not a Closing Disclosure.