Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$34,130Cash toward the purchase price.
Closing costs + prepaids$13,681Not just lender fees.
Before credits & paid funds$47,811The complete starting cash picture.
Estimated remaining funds due at closing
$47,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,130.41
Your down payment$34,130.41
Closing costs + prepaids$13,680.63
Total buyer cash needed$47,811.04
Remaining funds due$47,811.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$1,765.25
Prepaid interest, first (22 days)$1,540.38
Fees + prepaids$13,680.63
Your down payment is the seller’s equity. You take over the $380,870 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $47,811.04 is due at closing. Uses and sources reconcile at $428,680.63 each. Not a Closing Disclosure.