Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$30,237Cash toward the purchase price.
Closing costs + prepaids$13,187Not just lender fees.
Before credits & paid funds$43,424The complete starting cash picture.
Estimated remaining funds due at closing
$43,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,236.69
Your down payment$30,236.69
Closing costs + prepaids$13,186.92
Total buyer cash needed$43,423.61
Remaining funds due$43,423.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$1,000.00
Initial HOA (3 months)$501.00
Prepaid interest, first (23 days)$1,460.92
Fees + prepaids$13,186.92
Your down payment is the seller’s equity. You take over the $369,763 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $43,423.61 is due at closing. Uses and sources reconcile at $413,186.92 each. Not a Closing Disclosure.