Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$34,447Cash toward the purchase price.
Closing costs + prepaids$13,929Not just lender fees.
Before credits & paid funds$48,376The complete starting cash picture.
Estimated remaining funds due at closing
$48,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,447.35
Your down payment$34,447.35
Closing costs + prepaids$13,928.66
Total buyer cash needed$48,376.01
Remaining funds due$48,376.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$1,719.00
Initial HOA (3 months)$228.00
Prepaid interest, first (23 days)$1,606.66
Fees + prepaids$13,928.66
Your down payment is the seller’s equity. You take over the $380,553 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $48,376.01 is due at closing. Uses and sources reconcile at $428,928.66 each. Not a Closing Disclosure.