Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$39,267Cash toward the purchase price.
Closing costs + prepaids$12,332Not just lender fees.
Before credits & paid funds$51,598The complete starting cash picture.
Estimated remaining funds due at closing
$51,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,266.69
Your down payment$39,266.69
Closing costs + prepaids$12,331.52
Total buyer cash needed$51,598.21
Remaining funds due$51,598.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$627.50
Initial HOA (3 months)$234.00
Prepaid interest, first (18 days)$1,146.02
Fees + prepaids$12,331.52
Your down payment is the seller’s equity. You take over the $370,633 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $51,598.21 is due at closing. Uses and sources reconcile at $422,231.52 each. Not a Closing Disclosure.