Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$32,234Cash toward the purchase price.
Closing costs + prepaids$12,512Not just lender fees.
Before credits & paid funds$44,746The complete starting cash picture.
Estimated remaining funds due at closing
$44,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,233.89
Your down payment$32,233.89
Closing costs + prepaids$12,511.72
Total buyer cash needed$44,745.61
Remaining funds due$44,745.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,140.00
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)$573.25
Initial HOA (3 months)$83.01
Prepaid interest, first (30 days)$1,490.46
Fees + prepaids$12,511.72
Your down payment is the seller’s equity. You take over the $381,766 balance, so the rest of the $414,000 price is paid at closing. A second mortgage can cover part of it. $44,745.61 is due at closing. Uses and sources reconcile at $426,511.72 each. Not a Closing Disclosure.