Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$36,553Cash toward the purchase price.
Closing costs + prepaids$11,989Not just lender fees.
Before credits & paid funds$48,542The complete starting cash picture.
Estimated remaining funds due at closing
$48,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,552.70
Your down payment$36,552.70
Closing costs + prepaids$11,989.19
Total buyer cash needed$48,541.89
Remaining funds due$48,541.89
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)$321.50
Initial HOA (3 months)$291.00
Prepaid interest, first (19 days)$1,051.69
Fees + prepaids$11,989.19
Your down payment is the seller’s equity. You take over the $373,447 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $48,541.89 is due at closing. Uses and sources reconcile at $421,989.19 each. Not a Closing Disclosure.