Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$35,337Cash toward the purchase price.
Closing costs + prepaids$11,736Not just lender fees.
Before credits & paid funds$47,073The complete starting cash picture.
Estimated remaining funds due at closing
$47,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,336.80
Your down payment$35,336.80
Closing costs + prepaids$11,735.98
Total buyer cash needed$47,072.78
Remaining funds due$47,072.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$498.00
Initial HOA (3 months)$213.00
Prepaid interest, first (10 days)$650.98
Fees + prepaids$11,735.98
Your down payment is the seller’s equity. You take over the $379,563 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $47,072.78 is due at closing. Uses and sources reconcile at $426,635.98 each. Not a Closing Disclosure.