Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$32,686Cash toward the purchase price.
Closing costs + prepaids$12,817Not just lender fees.
Before credits & paid funds$45,503The complete starting cash picture.
Estimated remaining funds due at closing
$45,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,686.26
Your down payment$32,686.26
Closing costs + prepaids$12,816.76
Total buyer cash needed$45,503.02
Remaining funds due$45,503.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,240.00
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)$461.75
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$1,740.01
Fees + prepaids$12,816.76
Your down payment is the seller’s equity. You take over the $391,314 balance, so the rest of the $424,000 price is paid at closing. A second mortgage can cover part of it. $45,503.02 is due at closing. Uses and sources reconcile at $436,816.76 each. Not a Closing Disclosure.