Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$41,217Cash toward the purchase price.
Closing costs + prepaids$10,988Not just lender fees.
Before credits & paid funds$52,205The complete starting cash picture.
Estimated remaining funds due at closing
$52,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,217.01
Your down payment$41,217.01
Closing costs + prepaids$10,988.27
Total buyer cash needed$52,205.28
Remaining funds due$52,205.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,270.00
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)$353.75
Prepaid interest, first (2 days)$139.52
Fees + prepaids$10,988.27
Your down payment is the seller’s equity. You take over the $385,783 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $52,205.28 is due at closing. Uses and sources reconcile at $437,988.27 each. Not a Closing Disclosure.