Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$33,445Cash toward the purchase price.
Closing costs + prepaids$13,523Not just lender fees.
Before credits & paid funds$46,968The complete starting cash picture.
Estimated remaining funds due at closing
$46,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,445.07
Your down payment$33,445.07
Closing costs + prepaids$13,523.31
Total buyer cash needed$46,968.38
Remaining funds due$46,968.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$1,787.25
Initial HOA (3 months)$32.25
Prepaid interest, first (23 days)$1,278.81
Fees + prepaids$13,523.31
Your down payment is the seller’s equity. You take over the $386,555 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $46,968.38 is due at closing. Uses and sources reconcile at $433,523.31 each. Not a Closing Disclosure.