Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$37,921Cash toward the purchase price.
Closing costs + prepaids$12,316Not just lender fees.
Before credits & paid funds$50,237The complete starting cash picture.
Estimated remaining funds due at closing
$50,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,921.07
Your down payment$37,921.07
Closing costs + prepaids$12,315.81
Total buyer cash needed$50,236.88
Remaining funds due$50,236.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$540.00
Initial HOA (3 months)$273.00
Prepaid interest, first (10 days)$778.81
Fees + prepaids$12,315.81
Your down payment is the seller’s equity. You take over the $411,979 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $50,236.88 is due at closing. Uses and sources reconcile at $462,215.81 each. Not a Closing Disclosure.