Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$11,542Cash toward the purchase price.
Closing costs + prepaids$13,191Not just lender fees.
Before credits & paid funds$24,733The complete starting cash picture.
Estimated remaining funds due at closing
$24,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,541.78
Your down payment$11,541.78
Closing costs + prepaids$13,191.21
Total buyer cash needed$24,732.99
Remaining funds due$24,732.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$954.25
Prepaid interest, first (25 days)$1,921.96
Fees + prepaids$13,191.21
Your down payment is the seller’s equity. You take over the $397,458 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $24,732.99 is due at closing. Uses and sources reconcile at $422,191.21 each. Not a Closing Disclosure.