Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,148Cash toward the purchase price.
Closing costs + prepaids$12,927Not just lender fees.
Before credits & paid funds$48,074The complete starting cash picture.
Estimated remaining funds due at closing
$48,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,147.75
Your down payment$35,147.75
Closing costs + prepaids$12,926.64
Total buyer cash needed$48,074.39
Remaining funds due$48,074.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$301.25
Initial HOA (3 months)$213.00
Prepaid interest, first (31 days)$2,038.39
Fees + prepaids$12,926.64
Your down payment is the seller’s equity. You take over the $379,752 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $48,074.39 is due at closing. Uses and sources reconcile at $427,826.64 each. Not a Closing Disclosure.