Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,079Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$50,782The complete starting cash picture.
Estimated remaining funds due at closing
$50,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,079.25
Your down payment$39,079.25
Closing costs + prepaids$11,702.93
Total buyer cash needed$50,782.18
Remaining funds due$50,782.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,989.90
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)$1,134.25
Initial HOA (3 months)$224.01
Prepaid interest, first (2 days)$129.77
Fees + prepaids$11,702.93
Your down payment is the seller’s equity. You take over the $359,911 balance, so the rest of the $398,990 price is paid at closing. A second mortgage can cover part of it. $50,782.18 is due at closing. Uses and sources reconcile at $410,692.93 each. Not a Closing Disclosure.