Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,391Cash toward the purchase price.
Closing costs + prepaids$13,361Not just lender fees.
Before credits & paid funds$34,752The complete starting cash picture.
Estimated remaining funds due at closing
$34,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,391.25
Your down payment$21,391.25
Closing costs + prepaids$13,361.14
Total buyer cash needed$34,752.39
Remaining funds due$34,752.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$455.25
Initial HOA (3 months)$77.01
Prepaid interest, first (30 days)$2,253.88
Fees + prepaids$13,361.14
Your down payment is the seller’s equity. You take over the $413,609 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $34,752.39 is due at closing. Uses and sources reconcile at $448,361.14 each. Not a Closing Disclosure.