Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,308Cash toward the purchase price.
Closing costs + prepaids$13,470Not just lender fees.
Before credits & paid funds$46,778The complete starting cash picture.
Estimated remaining funds due at closing
$46,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,308.08
Your down payment$33,308.08
Closing costs + prepaids$13,469.88
Total buyer cash needed$46,777.96
Remaining funds due$46,777.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.50
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)$1,011.25
Initial HOA (3 months)$234.00
Prepaid interest, first (27 days)$1,900.13
Fees + prepaids$13,469.88
Your down payment is the seller’s equity. You take over the $376,642 balance, so the rest of the $409,950 price is paid at closing. A second mortgage can cover part of it. $46,777.96 is due at closing. Uses and sources reconcile at $423,419.88 each. Not a Closing Disclosure.