Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,496Cash toward the purchase price.
Closing costs + prepaids$12,352Not just lender fees.
Before credits & paid funds$44,847The complete starting cash picture.
Estimated remaining funds due at closing
$44,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,495.53
Your down payment$32,495.53
Closing costs + prepaids$12,351.50
Total buyer cash needed$44,847.03
Remaining funds due$44,847.03
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)$916.25
Initial HOA (3 months)$99.99
Prepaid interest, first (24 days)$1,010.26
Fees + prepaids$12,351.50
Your down payment is the seller’s equity. You take over the $377,504 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $44,847.03 is due at closing. Uses and sources reconcile at $422,351.50 each. Not a Closing Disclosure.