Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$28,965Cash toward the purchase price.
Closing costs + prepaids$12,414Not just lender fees.
Before credits & paid funds$41,379The complete starting cash picture.
Estimated remaining funds due at closing
$41,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,964.55
Your down payment$28,964.55
Closing costs + prepaids$12,414.31
Total buyer cash needed$41,378.86
Remaining funds due$41,378.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,010.00
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)$335.75
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$1,573.56
Fees + prepaids$12,414.31
Your down payment is the seller’s equity. You take over the $372,035 balance, so the rest of the $401,000 price is paid at closing. A second mortgage can cover part of it. $41,378.86 is due at closing. Uses and sources reconcile at $413,414.31 each. Not a Closing Disclosure.