Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$26,990Cash toward the purchase price.
Closing costs + prepaids$12,318Not just lender fees.
Before credits & paid funds$39,308The complete starting cash picture.
Estimated remaining funds due at closing
$39,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,990.30
Your down payment$26,990.30
Closing costs + prepaids$12,317.70
Total buyer cash needed$39,308.00
Remaining funds due$39,308.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.99
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)$534.00
Initial HOA (3 months)$447.00
Prepaid interest, first (9 days)$661.71
Fees + prepaids$12,317.70
Your down payment is the seller’s equity. You take over the $418,009 balance, so the rest of the $444,999 price is paid at closing. A second mortgage can cover part of it. $39,308.00 is due at closing. Uses and sources reconcile at $457,316.70 each. Not a Closing Disclosure.