Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$25,222Cash toward the purchase price.
Closing costs + prepaids$11,904Not just lender fees.
Before credits & paid funds$37,126The complete starting cash picture.
Estimated remaining funds due at closing
$37,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,222.12
Your down payment$25,222.12
Closing costs + prepaids$11,903.98
Total buyer cash needed$37,126.10
Remaining funds due$37,126.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$516.00
Initial HOA (3 months)$222.00
Prepaid interest, first (10 days)$640.99
Fees + prepaids$11,903.98
Your down payment is the seller’s equity. You take over the $404,777 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $37,126.10 is due at closing. Uses and sources reconcile at $441,902.98 each. Not a Closing Disclosure.