Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,630Cash toward the purchase price.
Closing costs + prepaids$10,970Not just lender fees.
Before credits & paid funds$32,600The complete starting cash picture.
Estimated remaining funds due at closing
$32,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,629.52
Your down payment$21,629.52
Closing costs + prepaids$10,970.12
Total buyer cash needed$32,599.64
Remaining funds due$32,599.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$307.25
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$137.87
Fees + prepaids$10,970.12
Your down payment is the seller’s equity. You take over the $378,370 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $32,599.64 is due at closing. Uses and sources reconcile at $410,970.12 each. Not a Closing Disclosure.