Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$36,705Cash toward the purchase price.
Closing costs + prepaids$12,114Not just lender fees.
Before credits & paid funds$48,819The complete starting cash picture.
Estimated remaining funds due at closing
$48,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,705.43
Your down payment$36,705.43
Closing costs + prepaids$12,113.68
Total buyer cash needed$48,819.11
Remaining funds due$48,819.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,049.99
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)$466.75
Initial HOA (3 months)$171.00
Prepaid interest, first (22 days)$1,200.94
Fees + prepaids$12,113.68
Your down payment is the seller’s equity. You take over the $368,294 balance, so the rest of the $404,999 price is paid at closing. A second mortgage can cover part of it. $48,819.11 is due at closing. Uses and sources reconcile at $417,112.68 each. Not a Closing Disclosure.