Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,435Cash toward the purchase price.
Closing costs + prepaids$13,678Not just lender fees.
Before credits & paid funds$38,113The complete starting cash picture.
Estimated remaining funds due at closing
$38,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,435.14
Your down payment$24,435.14
Closing costs + prepaids$13,677.73
Total buyer cash needed$38,112.87
Remaining funds due$38,112.87
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)$1,412.00
Initial HOA (3 months)$174.00
Prepaid interest, first (25 days)$1,766.73
Fees + prepaids$13,677.73
Your down payment is the seller’s equity. You take over the $385,565 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $38,112.87 is due at closing. Uses and sources reconcile at $423,677.73 each. Not a Closing Disclosure.