Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,019Cash toward the purchase price.
Closing costs + prepaids$14,278Not just lender fees.
Before credits & paid funds$48,297The complete starting cash picture.
Estimated remaining funds due at closing
$48,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,018.93
Your down payment$34,018.93
Closing costs + prepaids$14,278.45
Total buyer cash needed$48,297.37
Remaining funds due$48,297.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,348.90
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)$1,465.25
Initial HOA (3 months)$282.99
Prepaid interest, first (25 days)$1,956.31
Fees + prepaids$14,278.45
Your down payment is the seller’s equity. You take over the $400,871 balance, so the rest of the $434,890 price is paid at closing. A second mortgage can cover part of it. $48,297.37 is due at closing. Uses and sources reconcile at $449,168.45 each. Not a Closing Disclosure.