Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$38,166Cash toward the purchase price.
Closing costs + prepaids$11,284Not just lender fees.
Before credits & paid funds$49,450The complete starting cash picture.
Estimated remaining funds due at closing
$49,450No 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$11,284.46
Total buyer cash needed$49,450.35
Remaining funds due$49,450.35
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)$474.00
Prepaid interest, first (10 days)$635.46
Fees + prepaids$11,284.46
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. $49,450.35 is due at closing. Uses and sources reconcile at $406,284.46 each. Not a Closing Disclosure.