Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$23,137Cash toward the purchase price.
Closing costs + prepaids$12,652Not just lender fees.
Before credits & paid funds$35,789The complete starting cash picture.
Estimated remaining funds due at closing
$35,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,136.89
Your down payment$23,136.89
Closing costs + prepaids$12,652.07
Total buyer cash needed$35,788.96
Remaining funds due$35,788.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$368.75
Prepaid interest, first (22 days)$1,758.32
Fees + prepaids$12,652.07
Your down payment is the seller’s equity. You take over the $406,863 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $35,788.96 is due at closing. Uses and sources reconcile at $442,652.07 each. Not a Closing Disclosure.