Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$25,222Cash toward the purchase price.
Closing costs + prepaids$13,205Not just lender fees.
Before credits & paid funds$38,427The complete starting cash picture.
Estimated remaining funds due at closing
$38,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,222.12
Your down payment$25,222.12
Closing costs + prepaids$13,204.86
Total buyer cash needed$38,426.98
Remaining funds due$38,426.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$599.00
Initial HOA (3 months)$222.00
Prepaid interest, first (29 days)$1,858.87
Fees + prepaids$13,204.86
Your down payment is the seller’s equity. You take over the $404,777 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $38,426.98 is due at closing. Uses and sources reconcile at $443,203.86 each. Not a Closing Disclosure.