Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$30,024Cash toward the purchase price.
Closing costs + prepaids$11,867Not just lender fees.
Before credits & paid funds$41,891The complete starting cash picture.
Estimated remaining funds due at closing
$41,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,023.94
Your down payment$30,023.94
Closing costs + prepaids$11,867.42
Total buyer cash needed$41,891.36
Remaining funds due$41,891.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,095.00
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)$347.75
Initial HOA (3 months)$186.00
Prepaid interest, first (20 days)$1,013.67
Fees + prepaids$11,867.42
Your down payment is the seller’s equity. You take over the $379,476 balance, so the rest of the $409,500 price is paid at closing. A second mortgage can cover part of it. $41,891.36 is due at closing. Uses and sources reconcile at $421,367.42 each. Not a Closing Disclosure.