Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,359Cash toward the purchase price.
Closing costs + prepaids$14,738Not just lender fees.
Before credits & paid funds$48,098The complete starting cash picture.
Estimated remaining funds due at closing
$48,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,359.12
Your down payment$33,359.12
Closing costs + prepaids$14,738.49
Total buyer cash needed$48,097.61
Remaining funds due$48,097.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$2,037.25
Initial HOA (3 months)$54.99
Prepaid interest, first (27 days)$2,172.25
Fees + prepaids$14,738.49
Your down payment is the seller’s equity. You take over the $391,541 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $48,097.61 is due at closing. Uses and sources reconcile at $439,638.49 each. Not a Closing Disclosure.