Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$21,586Cash toward the purchase price.
Closing costs + prepaids$14,048Not just lender fees.
Before credits & paid funds$35,633The complete starting cash picture.
Estimated remaining funds due at closing
$35,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,585.98
Your down payment$21,585.98
Closing costs + prepaids$14,047.52
Total buyer cash needed$35,633.50
Remaining funds due$35,633.50
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)$1,904.75
Initial HOA (3 months)$30.00
Prepaid interest, first (25 days)$1,787.77
Fees + prepaids$14,047.52
Your down payment is the seller’s equity. You take over the $388,414 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $35,633.50 is due at closing. Uses and sources reconcile at $424,047.52 each. Not a Closing Disclosure.