Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,539Cash toward the purchase price.
Closing costs + prepaids$11,145Not just lender fees.
Before credits & paid funds$36,685The complete starting cash picture.
Estimated remaining funds due at closing
$36,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,539.24
Your down payment$25,539.24
Closing costs + prepaids$11,145.42
Total buyer cash needed$36,684.66
Remaining funds due$36,684.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$469.50
Prepaid interest, first (2 days)$150.92
Fees + prepaids$11,145.42
Your down payment is the seller’s equity. You take over the $404,461 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $36,684.66 is due at closing. Uses and sources reconcile at $441,145.42 each. Not a Closing Disclosure.