Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,449Cash toward the purchase price.
Closing costs + prepaids$14,257Not just lender fees.
Before credits & paid funds$51,706The complete starting cash picture.
Estimated remaining funds due at closing
$51,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,449.30
Your down payment$37,449.30
Closing costs + prepaids$14,257.20
Total buyer cash needed$51,706.49
Remaining funds due$51,706.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$325.75
Initial HOA (3 months)$1,350.00
Prepaid interest, first (31 days)$2,076.45
Fees + prepaids$14,257.20
Your down payment is the seller’s equity. You take over the $390,551 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $51,706.49 is due at closing. Uses and sources reconcile at $442,257.20 each. Not a Closing Disclosure.