Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$22,317Cash toward the purchase price.
Closing costs + prepaids$12,542Not just lender fees.
Before credits & paid funds$34,859The complete starting cash picture.
Estimated remaining funds due at closing
$34,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,317.45
Your down payment$22,317.45
Closing costs + prepaids$12,541.69
Total buyer cash needed$34,859.14
Remaining funds due$34,859.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$357.00
Prepaid interest, first (23 days)$1,609.69
Fees + prepaids$12,541.69
Your down payment is the seller’s equity. You take over the $412,683 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $34,859.14 is due at closing. Uses and sources reconcile at $447,541.69 each. Not a Closing Disclosure.