Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,700Cash toward the purchase price.
Closing costs + prepaids$13,986Not just lender fees.
Before credits & paid funds$49,686The complete starting cash picture.
Estimated remaining funds due at closing
$49,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,699.82
Your down payment$35,699.82
Closing costs + prepaids$13,985.88
Total buyer cash needed$49,685.70
Remaining funds due$49,685.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$1,022.25
Initial HOA (3 months)$435.00
Prepaid interest, first (30 days)$2,103.64
Fees + prepaids$13,985.88
Your down payment is the seller’s equity. You take over the $384,299 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $49,685.70 is due at closing. Uses and sources reconcile at $433,984.88 each. Not a Closing Disclosure.