Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,918Cash toward the purchase price.
Closing costs + prepaids$12,410Not just lender fees.
Before credits & paid funds$51,328The complete starting cash picture.
Estimated remaining funds due at closing
$51,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,918.35
Your down payment$38,918.35
Closing costs + prepaids$12,409.99
Total buyer cash needed$51,328.34
Remaining funds due$51,328.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$410.50
Initial HOA (3 months)$237.99
Prepaid interest, first (1 days)$87.50
Fees + prepaids$12,409.99
Your down payment is the seller’s equity. You take over the $480,982 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $51,328.34 is due at closing. Uses and sources reconcile at $532,309.99 each. Not a Closing Disclosure.