Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$27,537Cash toward the purchase price.
Closing costs + prepaids$13,156Not just lender fees.
Before credits & paid funds$40,693The complete starting cash picture.
Estimated remaining funds due at closing
$40,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,537.06
Your down payment$27,537.06
Closing costs + prepaids$13,155.78
Total buyer cash needed$40,692.84
Remaining funds due$40,692.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$459.25
Initial HOA (3 months)$18.75
Prepaid interest, first (29 days)$2,103.78
Fees + prepaids$13,155.78
Your down payment is the seller’s equity. You take over the $407,363 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $40,692.84 is due at closing. Uses and sources reconcile at $448,055.78 each. Not a Closing Disclosure.