Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,876Cash toward the purchase price.
Closing costs + prepaids$13,554Not just lender fees.
Before credits & paid funds$37,430The complete starting cash picture.
Estimated remaining funds due at closing
$37,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,876.48
Your down payment$23,876.48
Closing costs + prepaids$13,553.72
Total buyer cash needed$37,430.20
Remaining funds due$37,430.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,230.00
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)$975.50
Initial HOA (3 months)$420.00
Prepaid interest, first (24 days)$1,703.22
Fees + prepaids$13,553.72
Your down payment is the seller’s equity. You take over the $399,124 balance, so the rest of the $423,000 price is paid at closing. A second mortgage can cover part of it. $37,430.20 is due at closing. Uses and sources reconcile at $436,553.72 each. Not a Closing Disclosure.