Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$28,286Cash toward the purchase price.
Closing costs + prepaids$11,232Not just lender fees.
Before credits & paid funds$39,519The complete starting cash picture.
Estimated remaining funds due at closing
$39,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,286.28
Your down payment$28,286.28
Closing costs + prepaids$11,232.42
Total buyer cash needed$39,518.70
Remaining funds due$39,518.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,230.00
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)$507.50
Prepaid interest, first (6 days)$269.92
Fees + prepaids$11,232.42
Your down payment is the seller’s equity. You take over the $394,714 balance, so the rest of the $423,000 price is paid at closing. A second mortgage can cover part of it. $39,518.70 is due at closing. Uses and sources reconcile at $434,232.42 each. Not a Closing Disclosure.