Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,601Cash toward the purchase price.
Closing costs + prepaids$13,052Not just lender fees.
Before credits & paid funds$37,653The complete starting cash picture.
Estimated remaining funds due at closing
$37,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,600.52
Your down payment$24,600.52
Closing costs + prepaids$13,052.12
Total buyer cash needed$37,652.64
Remaining funds due$37,652.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,389.00
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)$126.75
Initial HOA (3 months)$137.49
Prepaid interest, first (28 days)$2,173.88
Fees + prepaids$13,052.12
Your down payment is the seller’s equity. You take over the $414,299 balance, so the rest of the $438,900 price is paid at closing. A second mortgage can cover part of it. $37,652.64 is due at closing. Uses and sources reconcile at $451,952.12 each. Not a Closing Disclosure.