Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$24,681Cash toward the purchase price.
Closing costs + prepaids$12,814Not just lender fees.
Before credits & paid funds$37,496The complete starting cash picture.
Estimated remaining funds due at closing
$37,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,681.36
Your down payment$24,681.36
Closing costs + prepaids$12,814.19
Total buyer cash needed$37,495.55
Remaining funds due$37,495.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$349.25
Prepaid interest, first (29 days)$2,139.94
Fees + prepaids$12,814.19
Your down payment is the seller’s equity. You take over the $385,319 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $37,495.55 is due at closing. Uses and sources reconcile at $422,814.19 each. Not a Closing Disclosure.