Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$35,226Cash toward the purchase price.
Closing costs + prepaids$12,351Not just lender fees.
Before credits & paid funds$47,577The complete starting cash picture.
Estimated remaining funds due at closing
$47,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,226.07
Your down payment$35,226.07
Closing costs + prepaids$12,351.33
Total buyer cash needed$47,577.40
Remaining funds due$47,577.40
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)$585.25
Initial HOA (3 months)$173.01
Prepaid interest, first (19 days)$1,268.07
Fees + prepaids$12,351.33
Your down payment is the seller’s equity. You take over the $374,774 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $47,577.40 is due at closing. Uses and sources reconcile at $422,351.33 each. Not a Closing Disclosure.