Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$12,067Cash toward the purchase price.
Closing costs + prepaids$13,858Not just lender fees.
Before credits & paid funds$25,925The complete starting cash picture.
Estimated remaining funds due at closing
$25,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,067.29
Your down payment$12,067.29
Closing costs + prepaids$13,858.20
Total buyer cash needed$25,925.48
Remaining funds due$25,925.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$471.50
Initial HOA (3 months)$570.00
Prepaid interest, first (31 days)$2,301.70
Fees + prepaids$13,858.20
Your down payment is the seller’s equity. You take over the $416,933 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $25,925.48 is due at closing. Uses and sources reconcile at $442,858.20 each. Not a Closing Disclosure.