Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$33,764Cash toward the purchase price.
Closing costs + prepaids$12,383Not just lender fees.
Before credits & paid funds$46,147The complete starting cash picture.
Estimated remaining funds due at closing
$46,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,764.07
Your down payment$33,764.07
Closing costs + prepaids$12,382.67
Total buyer cash needed$46,146.74
Remaining funds due$46,146.74
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)$626.00
Initial HOA (3 months)$210.00
Prepaid interest, first (20 days)$1,121.67
Fees + prepaids$12,382.67
Your down payment is the seller’s equity. You take over the $386,236 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $46,146.74 is due at closing. Uses and sources reconcile at $432,382.67 each. Not a Closing Disclosure.