Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$21,391Cash toward the purchase price.
Closing costs + prepaids$12,567Not just lender fees.
Before credits & paid funds$33,958The complete starting cash picture.
Estimated remaining funds due at closing
$33,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,391.39
Your down payment$21,391.39
Closing costs + prepaids$12,567.05
Total buyer cash needed$33,958.44
Remaining funds due$33,958.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,169.00
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)$872.75
Prepaid interest, first (20 days)$1,300.30
Fees + prepaids$12,567.05
Your down payment is the seller’s equity. You take over the $395,509 balance, so the rest of the $416,900 price is paid at closing. A second mortgage can cover part of it. $33,958.44 is due at closing. Uses and sources reconcile at $429,467.05 each. Not a Closing Disclosure.