Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,233Cash toward the purchase price.
Closing costs + prepaids$13,494Not just lender fees.
Before credits & paid funds$51,727The complete starting cash picture.
Estimated remaining funds due at closing
$51,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,232.98
Your down payment$38,232.98
Closing costs + prepaids$13,493.81
Total buyer cash needed$51,726.79
Remaining funds due$51,726.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$1,053.00
Initial HOA (3 months)$420.00
Prepaid interest, first (30 days)$1,805.81
Fees + prepaids$13,493.81
Your down payment is the seller’s equity. You take over the $360,767 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $51,726.79 is due at closing. Uses and sources reconcile at $412,493.81 each. Not a Closing Disclosure.