Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,816Cash toward the purchase price.
Closing costs + prepaids$12,421Not just lender fees.
Before credits & paid funds$41,237The complete starting cash picture.
Estimated remaining funds due at closing
$41,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,816.35
Your down payment$28,816.35
Closing costs + prepaids$12,420.82
Total buyer cash needed$41,237.17
Remaining funds due$41,237.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,238.88
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)$1,059.75
Prepaid interest, first (27 days)$897.19
Fees + prepaids$12,420.82
Your down payment is the seller’s equity. You take over the $395,072 balance, so the rest of the $423,888 price is paid at closing. A second mortgage can cover part of it. $41,237.17 is due at closing. Uses and sources reconcile at $436,308.82 each. Not a Closing Disclosure.