Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,679Cash toward the purchase price.
Closing costs + prepaids$12,488Not just lender fees.
Before credits & paid funds$55,167The complete starting cash picture.
Estimated remaining funds due at closing
$55,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,679.48
Your down payment$42,679.48
Closing costs + prepaids$12,488.01
Total buyer cash needed$55,167.48
Remaining funds due$55,167.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$506.50
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$1,456.51
Fees + prepaids$12,488.01
Your down payment is the seller’s equity. You take over the $367,221 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $55,167.48 is due at closing. Uses and sources reconcile at $422,388.01 each. Not a Closing Disclosure.