Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$28,438Cash toward the purchase price.
Closing costs + prepaids$11,515Not just lender fees.
Before credits & paid funds$39,953The complete starting cash picture.
Estimated remaining funds due at closing
$39,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,438.21
Your down payment$28,438.21
Closing costs + prepaids$11,515.23
Total buyer cash needed$39,953.44
Remaining funds due$39,953.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.47
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)$522.00
Prepaid interest, first (10 days)$418.76
Fees + prepaids$11,515.23
Your down payment is the seller’s equity. You take over the $406,509 balance, so the rest of the $434,947 price is paid at closing. A second mortgage can cover part of it. $39,953.44 is due at closing. Uses and sources reconcile at $446,462.23 each. Not a Closing Disclosure.