Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$38,673Cash toward the purchase price.
Closing costs + prepaids$13,438Not just lender fees.
Before credits & paid funds$52,111The complete starting cash picture.
Estimated remaining funds due at closing
$52,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,673.00
Your down payment$38,673.00
Closing costs + prepaids$13,438.33
Total buyer cash needed$52,111.32
Remaining funds due$52,111.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,240.00
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)$628.75
Prepaid interest, first (12 days)$1,094.58
Fees + prepaids$13,438.33
Your down payment is the seller’s equity. You take over the $485,327 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $52,111.32 is due at closing. Uses and sources reconcile at $537,438.33 each. Not a Closing Disclosure.