Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$26,944Cash toward the purchase price.
Closing costs + prepaids$12,747Not just lender fees.
Before credits & paid funds$39,691The complete starting cash picture.
Estimated remaining funds due at closing
$39,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,944.46
Your down payment$26,944.46
Closing costs + prepaids$12,746.85
Total buyer cash needed$39,691.31
Remaining funds due$39,691.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,109.99
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)$64.50
Initial HOA (3 months)$264.00
Prepaid interest, first (30 days)$2,083.36
Fees + prepaids$12,746.85
Your down payment is the seller’s equity. You take over the $384,055 balance, so the rest of the $410,999 price is paid at closing. A second mortgage can cover part of it. $39,691.31 is due at closing. Uses and sources reconcile at $423,745.85 each. Not a Closing Disclosure.