Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$28,326Cash toward the purchase price.
Closing costs + prepaids$13,307Not just lender fees.
Before credits & paid funds$41,633The complete starting cash picture.
Estimated remaining funds due at closing
$41,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,325.86
Your down payment$28,325.86
Closing costs + prepaids$13,307.07
Total buyer cash needed$41,632.93
Remaining funds due$41,632.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,280.00
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)$1,070.00
Prepaid interest, first (22 days)$1,732.07
Fees + prepaids$13,307.07
Your down payment is the seller’s equity. You take over the $399,674 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $41,632.93 is due at closing. Uses and sources reconcile at $441,307.07 each. Not a Closing Disclosure.