Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,553Cash toward the purchase price.
Closing costs + prepaids$12,598Not just lender fees.
Before credits & paid funds$49,151The complete starting cash picture.
Estimated remaining funds due at closing
$49,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,552.70
Your down payment$36,552.70
Closing costs + prepaids$12,598.06
Total buyer cash needed$49,150.77
Remaining funds due$49,150.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$321.50
Initial HOA (3 months)$291.00
Prepaid interest, first (30 days)$1,660.56
Fees + prepaids$12,598.06
Your down payment is the seller’s equity. You take over the $373,447 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $49,150.77 is due at closing. Uses and sources reconcile at $422,598.06 each. Not a Closing Disclosure.