Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$37,876Cash toward the purchase price.
Closing costs + prepaids$14,500Not just lender fees.
Before credits & paid funds$52,376The complete starting cash picture.
Estimated remaining funds due at closing
$52,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,876.03
Your down payment$37,876.03
Closing costs + prepaids$14,499.85
Total buyer cash needed$52,375.88
Remaining funds due$52,375.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,889.00
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)$470.75
Initial HOA (3 months)$333.00
Prepaid interest, first (27 days)$2,332.10
Fees + prepaids$14,499.85
Your down payment is the seller’s equity. You take over the $451,024 balance, so the rest of the $488,900 price is paid at closing. A second mortgage can cover part of it. $52,375.88 is due at closing. Uses and sources reconcile at $503,399.85 each. Not a Closing Disclosure.