Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$21,485Cash toward the purchase price.
Closing costs + prepaids$13,419Not just lender fees.
Before credits & paid funds$34,903The complete starting cash picture.
Estimated remaining funds due at closing
$34,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,484.67
Your down payment$21,484.67
Closing costs + prepaids$13,418.59
Total buyer cash needed$34,903.26
Remaining funds due$34,903.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.90
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)$1,075.00
Prepaid interest, first (25 days)$1,818.69
Fees + prepaids$13,418.59
Your down payment is the seller’s equity. You take over the $408,505 balance, so the rest of the $429,990 price is paid at closing. A second mortgage can cover part of it. $34,903.26 is due at closing. Uses and sources reconcile at $443,408.59 each. Not a Closing Disclosure.