Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,681Cash toward the purchase price.
Closing costs + prepaids$12,298Not just lender fees.
Before credits & paid funds$36,979The complete starting cash picture.
Estimated remaining funds due at closing
$36,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,681.36
Your down payment$24,681.36
Closing costs + prepaids$12,297.66
Total buyer cash needed$36,979.01
Remaining funds due$36,979.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$349.25
Prepaid interest, first (22 days)$1,623.41
Fees + prepaids$12,297.66
Your down payment is the seller’s equity. You take over the $385,319 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $36,979.01 is due at closing. Uses and sources reconcile at $422,297.66 each. Not a Closing Disclosure.