Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,984Cash toward the purchase price.
Closing costs + prepaids$12,421Not just lender fees.
Before credits & paid funds$44,405The complete starting cash picture.
Estimated remaining funds due at closing
$44,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,983.99
Your down payment$31,983.99
Closing costs + prepaids$12,420.97
Total buyer cash needed$44,404.97
Remaining funds due$44,404.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.73
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)$107.75
Initial HOA (3 months)$132.00
Prepaid interest, first (31 days)$1,956.49
Fees + prepaids$12,420.97
Your down payment is the seller’s equity. You take over the $367,989 balance, so the rest of the $399,973 price is paid at closing. A second mortgage can cover part of it. $44,404.97 is due at closing. Uses and sources reconcile at $412,393.97 each. Not a Closing Disclosure.