Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$36,553Cash toward the purchase price.
Closing costs + prepaids$12,045Not just lender fees.
Before credits & paid funds$48,597The complete starting cash picture.
Estimated remaining funds due at closing
$48,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,552.70
Your down payment$36,552.70
Closing costs + prepaids$12,044.54
Total buyer cash needed$48,597.24
Remaining funds due$48,597.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$321.50
Initial HOA (3 months)$291.00
Prepaid interest, first (20 days)$1,107.04
Fees + prepaids$12,044.54
Your down payment is the seller’s equity. You take over the $373,447 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $48,597.24 is due at closing. Uses and sources reconcile at $422,044.54 each. Not a Closing Disclosure.