Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,697Cash toward the purchase price.
Closing costs + prepaids$9,748Not just lender fees.
Before credits & paid funds$48,446The complete starting cash picture.
Estimated remaining funds due at closing
$48,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,697.13
Your down payment$38,697.13
Closing costs + prepaids$9,748.42
Total buyer cash needed$48,445.56
Remaining funds due$48,445.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,169.99
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)$123.75
Initial HOA (3 months)$1,212.00
Prepaid interest, first (1 days)$17.68
Fees + prepaids$9,748.42
Your down payment is the seller’s equity. You take over the $178,302 balance, so the rest of the $216,999 price is paid at closing. A second mortgage can cover part of it. $48,445.56 is due at closing. Uses and sources reconcile at $226,747.42 each. Not a Closing Disclosure.