Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$37,735Cash toward the purchase price.
Closing costs + prepaids$10,981Not just lender fees.
Before credits & paid funds$48,716The complete starting cash picture.
Estimated remaining funds due at closing
$48,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,734.76
Your down payment$37,734.76
Closing costs + prepaids$10,980.86
Total buyer cash needed$48,715.62
Remaining funds due$48,715.62
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)$566.00
Prepaid interest, first (2 days)$139.86
Fees + prepaids$10,980.86
Your down payment is the seller’s equity. You take over the $367,265 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $48,715.62 is due at closing. Uses and sources reconcile at $415,980.86 each. Not a Closing Disclosure.