Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,441Cash toward the purchase price.
Closing costs + prepaids$13,084Not just lender fees.
Before credits & paid funds$34,525The complete starting cash picture.
Estimated remaining funds due at closing
$34,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,441.00
Your down payment$21,441.00
Closing costs + prepaids$13,083.78
Total buyer cash needed$34,524.78
Remaining funds due$34,524.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,298.00
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)$316.75
Initial HOA (3 months)$237.99
Prepaid interest, first (31 days)$2,006.04
Fees + prepaids$13,083.78
Your down payment is the seller’s equity. You take over the $408,359 balance, so the rest of the $429,800 price is paid at closing. A second mortgage can cover part of it. $34,524.78 is due at closing. Uses and sources reconcile at $442,883.78 each. Not a Closing Disclosure.