Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$30,248Cash toward the purchase price.
Closing costs + prepaids$12,220Not just lender fees.
Before credits & paid funds$42,468The complete starting cash picture.
Estimated remaining funds due at closing
$42,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,247.75
Your down payment$30,247.75
Closing costs + prepaids$12,220.09
Total buyer cash needed$42,467.85
Remaining funds due$42,467.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$301.25
Initial HOA (3 months)$213.00
Prepaid interest, first (21 days)$1,380.84
Fees + prepaids$12,220.09
Your down payment is the seller’s equity. You take over the $379,752 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $42,467.85 is due at closing. Uses and sources reconcile at $422,220.09 each. Not a Closing Disclosure.