Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,019Cash toward the purchase price.
Closing costs + prepaids$12,867Not just lender fees.
Before credits & paid funds$50,885The complete starting cash picture.
Estimated remaining funds due at closing
$50,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,018.74
Your down payment$38,018.74
Closing costs + prepaids$12,866.59
Total buyer cash needed$50,885.33
Remaining funds due$50,885.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,110.00
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)$1,274.50
Initial HOA (3 months)$866.01
Prepaid interest, first (30 days)$1,391.08
Fees + prepaids$12,866.59
Your down payment is the seller’s equity. You take over the $272,981 balance, so the rest of the $311,000 price is paid at closing. A second mortgage can cover part of it. $50,885.33 is due at closing. Uses and sources reconcile at $323,866.59 each. Not a Closing Disclosure.