Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$36,998Cash toward the purchase price.
Closing costs + prepaids$11,992Not just lender fees.
Before credits & paid funds$48,990The complete starting cash picture.
Estimated remaining funds due at closing
$48,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,997.99
Your down payment$36,997.99
Closing costs + prepaids$11,991.94
Total buyer cash needed$48,989.93
Remaining funds due$48,989.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$425.50
Initial HOA (3 months)$96.00
Prepaid interest, first (27 days)$1,045.44
Fees + prepaids$11,991.94
Your down payment is the seller’s equity. You take over the $383,002 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $48,989.93 is due at closing. Uses and sources reconcile at $431,991.94 each. Not a Closing Disclosure.