Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,478Cash toward the purchase price.
Closing costs + prepaids$13,490Not just lender fees.
Before credits & paid funds$40,969The complete starting cash picture.
Estimated remaining funds due at closing
$40,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,478.28
Your down payment$27,478.28
Closing costs + prepaids$13,490.42
Total buyer cash needed$40,968.70
Remaining funds due$40,968.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$244.25
Initial HOA (3 months)$504.00
Prepaid interest, first (31 days)$2,218.17
Fees + prepaids$13,490.42
Your down payment is the seller’s equity. You take over the $402,422 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $40,968.70 is due at closing. Uses and sources reconcile at $443,390.42 each. Not a Closing Disclosure.