Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$42,822Cash toward the purchase price.
Closing costs + prepaids$13,723Not just lender fees.
Before credits & paid funds$56,545The complete starting cash picture.
Estimated remaining funds due at closing
$56,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,822.47
Your down payment$42,822.47
Closing costs + prepaids$13,722.56
Total buyer cash needed$56,545.03
Remaining funds due$56,545.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$928.50
Initial HOA (3 months)$168.00
Prepaid interest, first (30 days)$2,201.06
Fees + prepaids$13,722.56
Your down payment is the seller’s equity. You take over the $377,178 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $56,545.03 is due at closing. Uses and sources reconcile at $433,722.56 each. Not a Closing Disclosure.