Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$20,274Cash toward the purchase price.
Closing costs + prepaids$13,159Not just lender fees.
Before credits & paid funds$33,433The complete starting cash picture.
Estimated remaining funds due at closing
$33,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,273.65
Your down payment$20,273.65
Closing costs + prepaids$13,159.16
Total buyer cash needed$33,432.81
Remaining funds due$33,432.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$446.75
Prepaid interest, first (30 days)$2,188.41
Fees + prepaids$13,159.16
Your down payment is the seller’s equity. You take over the $409,626 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $33,432.81 is due at closing. Uses and sources reconcile at $443,059.16 each. Not a Closing Disclosure.