Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,732Cash toward the purchase price.
Closing costs + prepaids$13,100Not just lender fees.
Before credits & paid funds$42,832The complete starting cash picture.
Estimated remaining funds due at closing
$42,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,732.22
Your down payment$29,732.22
Closing costs + prepaids$13,099.62
Total buyer cash needed$42,831.85
Remaining funds due$42,831.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,289.00
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)$25.00
Initial HOA (3 months)$357.00
Prepaid interest, first (31 days)$2,203.62
Fees + prepaids$13,099.62
Your down payment is the seller’s equity. You take over the $399,168 balance, so the rest of the $428,900 price is paid at closing. A second mortgage can cover part of it. $42,831.85 is due at closing. Uses and sources reconcile at $441,999.62 each. Not a Closing Disclosure.