Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$17,229Cash toward the purchase price.
Closing costs + prepaids$13,599Not just lender fees.
Before credits & paid funds$30,827The complete starting cash picture.
Estimated remaining funds due at closing
$30,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,228.68
Your down payment$17,228.68
Closing costs + prepaids$13,598.55
Total buyer cash needed$30,827.23
Remaining funds due$30,827.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$1,037.25
Prepaid interest, first (28 days)$2,187.30
Fees + prepaids$13,598.55
Your down payment is the seller’s equity. You take over the $397,671 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $30,827.23 is due at closing. Uses and sources reconcile at $428,498.55 each. Not a Closing Disclosure.