Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$38,580Cash toward the purchase price.
Closing costs + prepaids$11,958Not just lender fees.
Before credits & paid funds$50,538The complete starting cash picture.
Estimated remaining funds due at closing
$50,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,579.54
Your down payment$38,579.54
Closing costs + prepaids$11,958.15
Total buyer cash needed$50,537.70
Remaining funds due$50,537.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$532.00
Initial HOA (3 months)$210.00
Prepaid interest, first (19 days)$701.15
Fees + prepaids$11,958.15
Your down payment is the seller’s equity. You take over the $390,420 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $50,537.70 is due at closing. Uses and sources reconcile at $440,958.15 each. Not a Closing Disclosure.