Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$32,496Cash toward the purchase price.
Closing costs + prepaids$11,170Not just lender fees.
Before credits & paid funds$43,665The complete starting cash picture.
Estimated remaining funds due at closing
$43,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,495.53
Your down payment$32,495.53
Closing costs + prepaids$11,169.56
Total buyer cash needed$43,665.08
Remaining funds due$43,665.08
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)$492.00
Initial HOA (3 months)$99.99
Prepaid interest, first (6 days)$252.57
Fees + prepaids$11,169.56
Your down payment is the seller’s equity. You take over the $377,504 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $43,665.08 is due at closing. Uses and sources reconcile at $421,169.56 each. Not a Closing Disclosure.