Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$42,312Cash toward the purchase price.
Closing costs + prepaids$12,293Not just lender fees.
Before credits & paid funds$54,605The complete starting cash picture.
Estimated remaining funds due at closing
$54,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,312.24
Your down payment$42,312.24
Closing costs + prepaids$12,293.22
Total buyer cash needed$54,605.46
Remaining funds due$54,605.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$527.25
Prepaid interest, first (30 days)$1,190.97
Fees + prepaids$12,293.22
Your down payment is the seller’s equity. You take over the $392,688 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $54,605.46 is due at closing. Uses and sources reconcile at $447,293.22 each. Not a Closing Disclosure.