Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,539Cash toward the purchase price.
Closing costs + prepaids$8,925Not just lender fees.
Before credits & paid funds$38,464The complete starting cash picture.
Estimated remaining funds due at closing
$38,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,539.48
Your down payment$29,539.48
Closing costs + prepaids$8,924.92
Total buyer cash needed$38,464.40
Remaining funds due$38,464.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$750.00
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)$177.50
Initial HOA (3 months)$1,623.00
Prepaid interest, first (31 days)$149.42
Fees + prepaids$8,924.92
Your down payment is the seller’s equity. You take over the $45,461 balance, so the rest of the $75,000 price is paid at closing. A second mortgage can cover part of it. $38,464.40 is due at closing. Uses and sources reconcile at $83,924.92 each. Not a Closing Disclosure.