Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$38,655Cash toward the purchase price.
Closing costs + prepaids$11,257Not just lender fees.
Before credits & paid funds$49,912The complete starting cash picture.
Estimated remaining funds due at closing
$49,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,655.32
Your down payment$38,655.32
Closing costs + prepaids$11,257.07
Total buyer cash needed$49,912.39
Remaining funds due$49,912.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.90
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)$422.50
Initial HOA (3 months)$426.00
Prepaid interest, first (18 days)$983.67
Fees + prepaids$11,257.07
Your down payment is the seller’s equity. You take over the $281,335 balance, so the rest of the $319,990 price is paid at closing. A second mortgage can cover part of it. $49,912.39 is due at closing. Uses and sources reconcile at $331,247.07 each. Not a Closing Disclosure.