Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$37,461Cash toward the purchase price.
Closing costs + prepaids$12,834Not just lender fees.
Before credits & paid funds$50,295The complete starting cash picture.
Estimated remaining funds due at closing
$50,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,460.73
Your down payment$37,460.73
Closing costs + prepaids$12,833.89
Total buyer cash needed$50,294.63
Remaining funds due$50,294.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$111.75
Prepaid interest, first (30 days)$2,197.14
Fees + prepaids$12,833.89
Your down payment is the seller’s equity. You take over the $392,539 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $50,294.63 is due at closing. Uses and sources reconcile at $442,833.89 each. Not a Closing Disclosure.