Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,352Cash toward the purchase price.
Closing costs + prepaids$12,989Not just lender fees.
Before credits & paid funds$36,341The complete starting cash picture.
Estimated remaining funds due at closing
$36,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,352.17
Your down payment$23,352.17
Closing costs + prepaids$12,988.59
Total buyer cash needed$36,340.77
Remaining funds due$36,340.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$310.50
Prepaid interest, first (27 days)$2,063.09
Fees + prepaids$12,988.59
Your down payment is the seller’s equity. You take over the $415,648 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $36,340.77 is due at closing. Uses and sources reconcile at $451,988.59 each. Not a Closing Disclosure.