Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,606Cash toward the purchase price.
Closing costs + prepaids$13,117Not just lender fees.
Before credits & paid funds$56,723The complete starting cash picture.
Estimated remaining funds due at closing
$56,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,606.01
Your down payment$43,606.01
Closing costs + prepaids$13,116.82
Total buyer cash needed$56,722.83
Remaining funds due$56,722.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$664.50
Initial HOA (3 months)$17.49
Prepaid interest, first (31 days)$2,109.83
Fees + prepaids$13,116.82
Your down payment is the seller’s equity. You take over the $366,394 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $56,722.83 is due at closing. Uses and sources reconcile at $423,116.82 each. Not a Closing Disclosure.