Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,812Cash toward the purchase price.
Closing costs + prepaids$8,654Not just lender fees.
Before credits & paid funds$47,465The complete starting cash picture.
Estimated remaining funds due at closing
$47,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,811.63
Your down payment$38,811.63
Closing costs + prepaids$8,653.66
Total buyer cash needed$47,465.28
Remaining funds due$47,465.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,399.90
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)$554.25
Initial HOA (3 months)$242.49
Prepaid interest, first (31 days)$232.02
Fees + prepaids$8,653.66
Your down payment is the seller’s equity. You take over the $101,178 balance, so the rest of the $139,990 price is paid at closing. A second mortgage can cover part of it. $47,465.28 is due at closing. Uses and sources reconcile at $148,643.66 each. Not a Closing Disclosure.