Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,933Cash toward the purchase price.
Closing costs + prepaids$13,980Not just lender fees.
Before credits & paid funds$36,913The complete starting cash picture.
Estimated remaining funds due at closing
$36,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,932.89
Your down payment$22,932.89
Closing costs + prepaids$13,979.70
Total buyer cash needed$36,912.59
Remaining funds due$36,912.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$1,173.75
Initial HOA (3 months)$570.00
Prepaid interest, first (31 days)$1,720.95
Fees + prepaids$13,979.70
Your down payment is the seller’s equity. You take over the $406,067 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $36,912.59 is due at closing. Uses and sources reconcile at $442,979.70 each. Not a Closing Disclosure.