Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$30,570Cash toward the purchase price.
Closing costs + prepaids$12,550Not just lender fees.
Before credits & paid funds$43,120The complete starting cash picture.
Estimated remaining funds due at closing
$43,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,569.71
Your down payment$30,569.71
Closing costs + prepaids$12,550.49
Total buyer cash needed$43,120.20
Remaining funds due$43,120.20
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)$264.50
Prepaid interest, first (27 days)$1,910.99
Fees + prepaids$12,550.49
Your down payment is the seller’s equity. You take over the $384,430 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $43,120.20 is due at closing. Uses and sources reconcile at $427,550.49 each. Not a Closing Disclosure.