Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$24,943Cash toward the purchase price.
Closing costs + prepaids$13,163Not just lender fees.
Before credits & paid funds$38,106The complete starting cash picture.
Estimated remaining funds due at closing
$38,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,943.04
Your down payment$24,943.04
Closing costs + prepaids$13,163.26
Total buyer cash needed$38,106.30
Remaining funds due$38,106.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.99
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)$1,403.75
Prepaid interest, first (26 days)$1,434.52
Fees + prepaids$13,163.26
Your down payment is the seller’s equity. You take over the $385,056 balance, so the rest of the $409,999 price is paid at closing. A second mortgage can cover part of it. $38,106.30 is due at closing. Uses and sources reconcile at $423,162.26 each. Not a Closing Disclosure.