Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,580Cash toward the purchase price.
Closing costs + prepaids$12,401Not just lender fees.
Before credits & paid funds$50,981The complete starting cash picture.
Estimated remaining funds due at closing
$50,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,579.54
Your down payment$38,579.54
Closing costs + prepaids$12,400.99
Total buyer cash needed$50,980.53
Remaining funds due$50,980.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$532.00
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$1,143.99
Fees + prepaids$12,400.99
Your down payment is the seller’s equity. You take over the $390,420 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $50,980.53 is due at closing. Uses and sources reconcile at $441,400.99 each. Not a Closing Disclosure.