Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$26,141Cash toward the purchase price.
Closing costs + prepaids$11,732Not just lender fees.
Before credits & paid funds$37,872The complete starting cash picture.
Estimated remaining funds due at closing
$37,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,140.81
Your down payment$26,140.81
Closing costs + prepaids$11,731.65
Total buyer cash needed$37,872.45
Remaining funds due$37,872.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,120.00
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)$625.50
Prepaid interest, first (25 days)$761.15
Fees + prepaids$11,731.65
Your down payment is the seller’s equity. You take over the $385,859 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $37,872.45 is due at closing. Uses and sources reconcile at $423,731.65 each. Not a Closing Disclosure.