Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,450Cash toward the purchase price.
Closing costs + prepaids$13,205Not just lender fees.
Before credits & paid funds$30,655The complete starting cash picture.
Estimated remaining funds due at closing
$30,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,449.87
Your down payment$17,449.87
Closing costs + prepaids$13,205.10
Total buyer cash needed$30,654.97
Remaining funds due$30,654.97
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)$486.75
Initial HOA (3 months)$258.00
Prepaid interest, first (31 days)$2,235.35
Fees + prepaids$13,205.10
Your down payment is the seller’s equity. You take over the $382,550 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $30,654.97 is due at closing. Uses and sources reconcile at $413,205.10 each. Not a Closing Disclosure.