Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$27,859Cash toward the purchase price.
Closing costs + prepaids$15,066Not just lender fees.
Before credits & paid funds$42,925The complete starting cash picture.
Estimated remaining funds due at closing
$42,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,858.85
Your down payment$27,858.85
Closing costs + prepaids$15,066.10
Total buyer cash needed$42,924.95
Remaining funds due$42,924.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,806.75
Initial HOA (3 months)$246.99
Prepaid interest, first (29 days)$2,488.36
Fees + prepaids$15,066.10
Your down payment is the seller’s equity. You take over the $402,041 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $42,924.95 is due at closing. Uses and sources reconcile at $444,966.10 each. Not a Closing Disclosure.