Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$40,200Cash toward the purchase price.
Closing costs + prepaids$11,622Not just lender fees.
Before credits & paid funds$51,822The complete starting cash picture.
Estimated remaining funds due at closing
$51,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,200.09
Your down payment$40,200.09
Closing costs + prepaids$11,622.30
Total buyer cash needed$51,822.39
Remaining funds due$51,822.39
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)$492.00
Initial HOA (3 months)$243.00
Prepaid interest, first (12 days)$562.30
Fees + prepaids$11,622.30
Your down payment is the seller’s equity. You take over the $369,800 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $51,822.39 is due at closing. Uses and sources reconcile at $421,622.30 each. Not a Closing Disclosure.