Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$40,021Cash toward the purchase price.
Closing costs + prepaids$12,883Not just lender fees.
Before credits & paid funds$52,903The complete starting cash picture.
Estimated remaining funds due at closing
$52,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,020.96
Your down payment$40,020.96
Closing costs + prepaids$12,882.50
Total buyer cash needed$52,903.46
Remaining funds due$52,903.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$443.50
Prepaid interest, first (27 days)$1,915.00
Fees + prepaids$12,882.50
Your down payment is the seller’s equity. You take over the $389,879 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $52,903.46 is due at closing. Uses and sources reconcile at $442,782.50 each. Not a Closing Disclosure.