Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$42,090Cash toward the purchase price.
Closing costs + prepaids$12,368Not just lender fees.
Before credits & paid funds$54,458The complete starting cash picture.
Estimated remaining funds due at closing
$54,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,090.41
Your down payment$42,090.41
Closing costs + prepaids$12,367.82
Total buyer cash needed$54,458.23
Remaining funds due$54,458.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$1,068.75
Initial HOA (3 months)$873.00
Prepaid interest, first (23 days)$1,052.07
Fees + prepaids$12,367.82
Your down payment is the seller’s equity. You take over the $272,810 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $54,458.23 is due at closing. Uses and sources reconcile at $327,267.82 each. Not a Closing Disclosure.