Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$36,193Cash toward the purchase price.
Closing costs + prepaids$12,910Not just lender fees.
Before credits & paid funds$49,104The complete starting cash picture.
Estimated remaining funds due at closing
$49,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,193.20
Your down payment$36,193.20
Closing costs + prepaids$12,910.43
Total buyer cash needed$49,103.63
Remaining funds due$49,103.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$537.50
Initial HOA (3 months)$525.00
Prepaid interest, first (17 days)$1,323.93
Fees + prepaids$12,910.43
Your down payment is the seller’s equity. You take over the $393,707 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $49,103.63 is due at closing. Uses and sources reconcile at $442,810.43 each. Not a Closing Disclosure.