Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$32,755Cash toward the purchase price.
Closing costs + prepaids$11,631Not just lender fees.
Before credits & paid funds$44,386The complete starting cash picture.
Estimated remaining funds due at closing
$44,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,754.98
Your down payment$32,754.98
Closing costs + prepaids$11,630.87
Total buyer cash needed$44,385.86
Remaining funds due$44,385.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,239.00
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)$508.75
Initial HOA (3 months)$390.00
Prepaid interest, first (6 days)$268.12
Fees + prepaids$11,630.87
Your down payment is the seller’s equity. You take over the $391,145 balance, so the rest of the $423,900 price is paid at closing. A second mortgage can cover part of it. $44,385.86 is due at closing. Uses and sources reconcile at $435,530.87 each. Not a Closing Disclosure.