Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$38,663Cash toward the purchase price.
Closing costs + prepaids$12,680Not just lender fees.
Before credits & paid funds$51,343The complete starting cash picture.
Estimated remaining funds due at closing
$51,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,663.46
Your down payment$38,663.46
Closing costs + prepaids$12,679.75
Total buyer cash needed$51,343.22
Remaining funds due$51,343.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$2,156.75
Initial HOA (3 months)$164.01
Prepaid interest, first (2 days)$134.99
Fees + prepaids$12,679.75
Your down payment is the seller’s equity. You take over the $361,237 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $51,343.22 is due at closing. Uses and sources reconcile at $412,579.75 each. Not a Closing Disclosure.