Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,026Cash toward the purchase price.
Closing costs + prepaids$10,318Not just lender fees.
Before credits & paid funds$52,344The complete starting cash picture.
Estimated remaining funds due at closing
$52,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,025.87
Your down payment$42,025.87
Closing costs + prepaids$10,318.07
Total buyer cash needed$52,343.94
Remaining funds due$52,343.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$10.75
Prepaid interest, first (1 days)$32.32
Fees + prepaids$10,318.07
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $52,343.94 is due at closing. Uses and sources reconcile at $415,318.07 each. Not a Closing Disclosure.