Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$35,002Cash toward the purchase price.
Closing costs + prepaids$12,463Not just lender fees.
Before credits & paid funds$47,465The complete starting cash picture.
Estimated remaining funds due at closing
$47,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,001.63
Your down payment$35,001.63
Closing costs + prepaids$12,463.27
Total buyer cash needed$47,464.90
Remaining funds due$47,464.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$589.25
Initial HOA (3 months)$243.00
Prepaid interest, first (21 days)$1,126.02
Fees + prepaids$12,463.27
Your down payment is the seller’s equity. You take over the $392,998 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $47,464.90 is due at closing. Uses and sources reconcile at $440,463.27 each. Not a Closing Disclosure.