Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$39,461Cash toward the purchase price.
Closing costs + prepaids$8,976Not just lender fees.
Before credits & paid funds$48,437The complete starting cash picture.
Estimated remaining funds due at closing
$48,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,461.47
Your down payment$39,461.47
Closing costs + prepaids$8,975.95
Total buyer cash needed$48,437.43
Remaining funds due$48,437.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,135.00
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)$133.00
Initial HOA (3 months)$1,110.00
Prepaid interest, first (29 days)$372.95
Fees + prepaids$8,975.95
Your down payment is the seller’s equity. You take over the $74,039 balance, so the rest of the $113,500 price is paid at closing. A second mortgage can cover part of it. $48,437.43 is due at closing. Uses and sources reconcile at $122,475.95 each. Not a Closing Disclosure.