Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,184Cash toward the purchase price.
Closing costs + prepaids$12,995Not just lender fees.
Before credits & paid funds$41,179The complete starting cash picture.
Estimated remaining funds due at closing
$41,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,184.21
Your down payment$28,184.21
Closing costs + prepaids$12,994.69
Total buyer cash needed$41,178.90
Remaining funds due$41,178.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$685.75
Prepaid interest, first (27 days)$1,883.94
Fees + prepaids$12,994.69
Your down payment is the seller’s equity. You take over the $391,816 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $41,178.90 is due at closing. Uses and sources reconcile at $432,994.69 each. Not a Closing Disclosure.