Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,612Cash toward the purchase price.
Closing costs + prepaids$13,413Not just lender fees.
Before credits & paid funds$51,025The complete starting cash picture.
Estimated remaining funds due at closing
$51,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,611.88
Your down payment$37,611.88
Closing costs + prepaids$13,412.68
Total buyer cash needed$51,024.56
Remaining funds due$51,024.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$500.00
Initial HOA (3 months)$315.00
Prepaid interest, first (31 days)$2,172.69
Fees + prepaids$13,412.68
Your down payment is the seller’s equity. You take over the $382,387 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $51,024.56 is due at closing. Uses and sources reconcile at $433,411.68 each. Not a Closing Disclosure.