Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$37,754Cash toward the purchase price.
Closing costs + prepaids$11,766Not just lender fees.
Before credits & paid funds$49,520The complete starting cash picture.
Estimated remaining funds due at closing
$49,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,753.69
Your down payment$37,753.69
Closing costs + prepaids$11,766.24
Total buyer cash needed$49,519.93
Remaining funds due$49,519.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$498.00
Initial HOA (3 months)$300.00
Prepaid interest, first (9 days)$594.24
Fees + prepaids$11,766.24
Your down payment is the seller’s equity. You take over the $377,146 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $49,519.93 is due at closing. Uses and sources reconcile at $426,666.24 each. Not a Closing Disclosure.