Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$27,573Cash toward the purchase price.
Closing costs + prepaids$10,963Not just lender fees.
Before credits & paid funds$38,536The complete starting cash picture.
Estimated remaining funds due at closing
$38,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,572.80
Your down payment$27,572.80
Closing costs + prepaids$10,963.15
Total buyer cash needed$38,535.95
Remaining funds due$38,535.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
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)$333.75
Prepaid interest, first (2 days)$154.40
Fees + prepaids$10,963.15
Your down payment is the seller’s equity. You take over the $397,427 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $38,535.95 is due at closing. Uses and sources reconcile at $435,963.15 each. Not a Closing Disclosure.