Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$28,269Cash toward the purchase price.
Closing costs + prepaids$12,056Not just lender fees.
Before credits & paid funds$40,325The complete starting cash picture.
Estimated remaining funds due at closing
$40,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,269.19
Your down payment$28,269.19
Closing costs + prepaids$12,055.85
Total buyer cash needed$40,325.04
Remaining funds due$40,325.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,120.00
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)$494.50
Initial HOA (3 months)$783.00
Prepaid interest, first (6 days)$433.35
Fees + prepaids$12,055.85
Your down payment is the seller’s equity. You take over the $383,731 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $40,325.04 is due at closing. Uses and sources reconcile at $424,055.85 each. Not a Closing Disclosure.