Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$31,738Cash toward the purchase price.
Closing costs + prepaids$12,456Not just lender fees.
Before credits & paid funds$44,195The complete starting cash picture.
Estimated remaining funds due at closing
$44,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,738.47
Your down payment$31,738.47
Closing costs + prepaids$12,456.19
Total buyer cash needed$44,194.67
Remaining funds due$44,194.67
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)$133.75
Initial HOA (3 months)$162.51
Prepaid interest, first (26 days)$1,834.93
Fees + prepaids$12,456.19
Your down payment is the seller’s equity. You take over the $378,262 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $44,194.67 is due at closing. Uses and sources reconcile at $422,456.19 each. Not a Closing Disclosure.