Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,568Cash toward the purchase price.
Closing costs + prepaids$13,738Not just lender fees.
Before credits & paid funds$52,305The complete starting cash picture.
Estimated remaining funds due at closing
$52,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,567.78
Your down payment$38,567.78
Closing costs + prepaids$13,737.52
Total buyer cash needed$52,305.30
Remaining funds due$52,305.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,330.00
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)$1,016.25
Initial HOA (3 months)$72.00
Prepaid interest, first (30 days)$2,094.27
Fees + prepaids$13,737.52
Your down payment is the seller’s equity. You take over the $394,432 balance, so the rest of the $433,000 price is paid at closing. A second mortgage can cover part of it. $52,305.30 is due at closing. Uses and sources reconcile at $446,737.52 each. Not a Closing Disclosure.