Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$37,461Cash toward the purchase price.
Closing costs + prepaids$12,248Not just lender fees.
Before credits & paid funds$49,709The complete starting cash picture.
Estimated remaining funds due at closing
$49,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,460.73
Your down payment$37,460.73
Closing costs + prepaids$12,247.99
Total buyer cash needed$49,708.72
Remaining funds due$49,708.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$111.75
Prepaid interest, first (22 days)$1,611.24
Fees + prepaids$12,247.99
Your down payment is the seller’s equity. You take over the $392,539 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $49,708.72 is due at closing. Uses and sources reconcile at $442,247.99 each. Not a Closing Disclosure.