Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$31,419Cash toward the purchase price.
Closing costs + prepaids$12,192Not just lender fees.
Before credits & paid funds$43,611The complete starting cash picture.
Estimated remaining funds due at closing
$43,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,418.81
Your down payment$31,418.81
Closing costs + prepaids$12,191.89
Total buyer cash needed$43,610.71
Remaining funds due$43,610.71
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)$360.00
Initial HOA (3 months)$234.00
Prepaid interest, first (19 days)$1,133.89
Fees + prepaids$12,191.89
Your down payment is the seller’s equity. You take over the $392,481 balance, so the rest of the $423,900 price is paid at closing. A second mortgage can cover part of it. $43,610.71 is due at closing. Uses and sources reconcile at $436,091.89 each. Not a Closing Disclosure.