Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$34,228Cash toward the purchase price.
Closing costs + prepaids$12,776Not just lender fees.
Before credits & paid funds$47,004The complete starting cash picture.
Estimated remaining funds due at closing
$47,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,227.79
Your down payment$34,227.79
Closing costs + prepaids$12,775.75
Total buyer cash needed$47,003.55
Remaining funds due$47,003.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,187.00
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)$577.25
Initial HOA (3 months)$276.00
Prepaid interest, first (20 days)$1,510.50
Fees + prepaids$12,775.75
Your down payment is the seller’s equity. You take over the $384,472 balance, so the rest of the $418,700 price is paid at closing. A second mortgage can cover part of it. $47,003.55 is due at closing. Uses and sources reconcile at $431,475.75 each. Not a Closing Disclosure.