Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,319Cash toward the purchase price.
Closing costs + prepaids$10,756Not just lender fees.
Before credits & paid funds$42,075The complete starting cash picture.
Estimated remaining funds due at closing
$42,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,318.85
Your down payment$31,318.85
Closing costs + prepaids$10,756.40
Total buyer cash needed$42,075.25
Remaining funds due$42,075.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$244.75
Prepaid interest, first (2 days)$136.65
Fees + prepaids$10,756.40
Your down payment is the seller’s equity. You take over the $383,681 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $42,075.25 is due at closing. Uses and sources reconcile at $425,756.40 each. Not a Closing Disclosure.