Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,102Cash toward the purchase price.
Closing costs + prepaids$12,809Not just lender fees.
Before credits & paid funds$40,911The complete starting cash picture.
Estimated remaining funds due at closing
$40,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,101.82
Your down payment$28,101.82
Closing costs + prepaids$12,809.25
Total buyer cash needed$40,911.07
Remaining funds due$40,911.07
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)$342.00
Initial HOA (3 months)$306.00
Prepaid interest, first (27 days)$1,836.25
Fees + prepaids$12,809.25
Your down payment is the seller’s equity. You take over the $381,898 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $40,911.07 is due at closing. Uses and sources reconcile at $422,809.25 each. Not a Closing Disclosure.