Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,927Cash toward the purchase price.
Closing costs + prepaids$12,728Not just lender fees.
Before credits & paid funds$38,655The complete starting cash picture.
Estimated remaining funds due at closing
$38,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,926.53
Your down payment$25,926.53
Closing costs + prepaids$12,728.47
Total buyer cash needed$38,655.00
Remaining funds due$38,655.00
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)$469.50
Prepaid interest, first (23 days)$1,733.97
Fees + prepaids$12,728.47
Your down payment is the seller’s equity. You take over the $404,073 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $38,655.00 is due at closing. Uses and sources reconcile at $442,728.47 each. Not a Closing Disclosure.