Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$29,383Cash toward the purchase price.
Closing costs + prepaids$12,820Not just lender fees.
Before credits & paid funds$42,203The complete starting cash picture.
Estimated remaining funds due at closing
$42,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,383.26
Your down payment$29,383.26
Closing costs + prepaids$12,819.81
Total buyer cash needed$42,203.07
Remaining funds due$42,203.07
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 (26 days)$1,923.81
Fees + prepaids$12,819.81
Your down payment is the seller’s equity. You take over the $399,517 balance, so the rest of the $428,900 price is paid at closing. A second mortgage can cover part of it. $42,203.07 is due at closing. Uses and sources reconcile at $441,719.81 each. Not a Closing Disclosure.