Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,090Cash toward the purchase price.
Closing costs + prepaids$13,617Not just lender fees.
Before credits & paid funds$31,708The complete starting cash picture.
Estimated remaining funds due at closing
$31,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,090.31
Your down payment$18,090.31
Closing costs + prepaids$13,617.33
Total buyer cash needed$31,707.64
Remaining funds due$31,707.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$1,012.50
Prepaid interest, first (31 days)$2,329.83
Fees + prepaids$13,617.33
Your down payment is the seller’s equity. You take over the $386,910 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $31,707.64 is due at closing. Uses and sources reconcile at $418,617.33 each. Not a Closing Disclosure.