Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$33,324Cash toward the purchase price.
Closing costs + prepaids$12,476Not just lender fees.
Before credits & paid funds$45,800The complete starting cash picture.
Estimated remaining funds due at closing
$45,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,324.45
Your down payment$33,324.45
Closing costs + prepaids$12,475.62
Total buyer cash needed$45,800.08
Remaining funds due$45,800.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$576.00
Initial HOA (3 months)$276.00
Prepaid interest, first (22 days)$1,348.62
Fees + prepaids$12,475.62
Your down payment is the seller’s equity. You take over the $371,676 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $45,800.08 is due at closing. Uses and sources reconcile at $417,475.62 each. Not a Closing Disclosure.