Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$41,404Cash toward the purchase price.
Closing costs + prepaids$12,711Not just lender fees.
Before credits & paid funds$54,115The complete starting cash picture.
Estimated remaining funds due at closing
$54,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,403.97
Your down payment$41,403.97
Closing costs + prepaids$12,710.84
Total buyer cash needed$54,114.81
Remaining funds due$54,114.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$625.75
Initial HOA (3 months)$285.00
Prepaid interest, first (21 days)$1,425.09
Fees + prepaids$12,710.84
Your down payment is the seller’s equity. You take over the $373,596 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $54,114.81 is due at closing. Uses and sources reconcile at $427,710.84 each. Not a Closing Disclosure.