Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$21,391Cash toward the purchase price.
Closing costs + prepaids$12,632Not just lender fees.
Before credits & paid funds$34,023The complete starting cash picture.
Estimated remaining funds due at closing
$34,023No 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$12,632.07
Total buyer cash needed$34,023.46
Remaining funds due$34,023.46
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 (21 days)$1,365.32
Fees + prepaids$12,632.07
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. $34,023.46 is due at closing. Uses and sources reconcile at $429,532.07 each. Not a Closing Disclosure.