Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,651Cash toward the purchase price.
Closing costs + prepaids$11,426Not just lender fees.
Before credits & paid funds$43,077The complete starting cash picture.
Estimated remaining funds due at closing
$43,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,651.43
Your down payment$31,651.43
Closing costs + prepaids$11,425.62
Total buyer cash needed$43,077.05
Remaining funds due$43,077.05
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)$916.25
Initial HOA (3 months)$99.99
Prepaid interest, first (2 days)$84.38
Fees + prepaids$11,425.62
Your down payment is the seller’s equity. You take over the $378,349 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $43,077.05 is due at closing. Uses and sources reconcile at $421,425.62 each. Not a Closing Disclosure.