Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$37,511Cash toward the purchase price.
Closing costs + prepaids$12,908Not just lender fees.
Before credits & paid funds$50,418The complete starting cash picture.
Estimated remaining funds due at closing
$50,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,510.63
Your down payment$37,510.63
Closing costs + prepaids$12,907.77
Total buyer cash needed$50,418.40
Remaining funds due$50,418.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$626.00
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,511.77
Fees + prepaids$12,907.77
Your down payment is the seller’s equity. You take over the $397,489 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $50,418.40 is due at closing. Uses and sources reconcile at $447,907.77 each. Not a Closing Disclosure.