Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,331Cash toward the purchase price.
Closing costs + prepaids$13,302Not just lender fees.
Before credits & paid funds$42,632The complete starting cash picture.
Estimated remaining funds due at closing
$42,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,330.80
Your down payment$29,330.80
Closing costs + prepaids$13,301.66
Total buyer cash needed$42,632.46
Remaining funds due$42,632.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$330.25
Prepaid interest, first (31 days)$2,397.41
Fees + prepaids$13,301.66
Your down payment is the seller’s equity. You take over the $405,569 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $42,632.46 is due at closing. Uses and sources reconcile at $448,201.66 each. Not a Closing Disclosure.