Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$33,783Cash toward the purchase price.
Closing costs + prepaids$12,090Not just lender fees.
Before credits & paid funds$45,872The complete starting cash picture.
Estimated remaining funds due at closing
$45,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,782.60
Your down payment$33,782.60
Closing costs + prepaids$12,089.61
Total buyer cash needed$45,872.22
Remaining funds due$45,872.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$486.00
Initial HOA (3 months)$1,083.00
Prepaid interest, first (7 days)$245.61
Fees + prepaids$12,089.61
Your down payment is the seller’s equity. You take over the $371,217 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $45,872.22 is due at closing. Uses and sources reconcile at $417,089.61 each. Not a Closing Disclosure.