Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$36,157Cash toward the purchase price.
Closing costs + prepaids$12,027Not just lender fees.
Before credits & paid funds$48,184The complete starting cash picture.
Estimated remaining funds due at closing
$48,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,157.19
Your down payment$36,157.19
Closing costs + prepaids$12,027.24
Total buyer cash needed$48,184.43
Remaining funds due$48,184.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,159.99
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)$520.00
Prepaid interest, first (16 days)$1,122.25
Fees + prepaids$12,027.24
Your down payment is the seller’s equity. You take over the $379,842 balance, so the rest of the $415,999 price is paid at closing. A second mortgage can cover part of it. $48,184.43 is due at closing. Uses and sources reconcile at $428,026.24 each. Not a Closing Disclosure.