Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$38,166Cash toward the purchase price.
Closing costs + prepaids$11,953Not just lender fees.
Before credits & paid funds$50,119The complete starting cash picture.
Estimated remaining funds due at closing
$50,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,165.89
Your down payment$38,165.89
Closing costs + prepaids$11,952.96
Total buyer cash needed$50,118.85
Remaining funds due$50,118.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$443.50
Prepaid interest, first (21 days)$1,334.46
Fees + prepaids$11,952.96
Your down payment is the seller’s equity. You take over the $356,834 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $50,118.85 is due at closing. Uses and sources reconcile at $406,952.96 each. Not a Closing Disclosure.