Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$24,681Cash toward the purchase price.
Closing costs + prepaids$11,260Not just lender fees.
Before credits & paid funds$35,941The complete starting cash picture.
Estimated remaining funds due at closing
$35,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,681.36
Your down payment$24,681.36
Closing costs + prepaids$11,259.75
Total buyer cash needed$35,941.11
Remaining funds due$35,941.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$492.00
Prepaid interest, first (6 days)$442.75
Fees + prepaids$11,259.75
Your down payment is the seller’s equity. You take over the $385,319 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $35,941.11 is due at closing. Uses and sources reconcile at $421,259.75 each. Not a Closing Disclosure.