Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$26,751Cash toward the purchase price.
Closing costs + prepaids$13,220Not just lender fees.
Before credits & paid funds$39,972The complete starting cash picture.
Estimated remaining funds due at closing
$39,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,751.05
Your down payment$26,751.05
Closing costs + prepaids$13,220.48
Total buyer cash needed$39,971.54
Remaining funds due$39,971.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$433.50
Initial HOA (3 months)$174.99
Prepaid interest, first (29 days)$2,036.99
Fees + prepaids$13,220.48
Your down payment is the seller’s equity. You take over the $408,249 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $39,971.54 is due at closing. Uses and sources reconcile at $448,220.48 each. Not a Closing Disclosure.