Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,203Cash toward the purchase price.
Closing costs + prepaids$12,709Not just lender fees.
Before credits & paid funds$40,912The complete starting cash picture.
Estimated remaining funds due at closing
$40,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,202.67
Your down payment$28,202.67
Closing costs + prepaids$12,709.03
Total buyer cash needed$40,911.70
Remaining funds due$40,911.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,336.20
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)$41.50
Initial HOA (3 months)$156.99
Prepaid interest, first (27 days)$1,949.34
Fees + prepaids$12,709.03
Your down payment is the seller’s equity. You take over the $405,417 balance, so the rest of the $433,620 price is paid at closing. A second mortgage can cover part of it. $40,911.70 is due at closing. Uses and sources reconcile at $446,329.03 each. Not a Closing Disclosure.