Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$16,197Cash toward the purchase price.
Closing costs + prepaids$13,447Not just lender fees.
Before credits & paid funds$29,644The complete starting cash picture.
Estimated remaining funds due at closing
$29,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,197.38
Your down payment$16,197.38
Closing costs + prepaids$13,446.80
Total buyer cash needed$29,644.18
Remaining funds due$29,644.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$496.75
Initial HOA (3 months)$456.00
Prepaid interest, first (31 days)$2,219.05
Fees + prepaids$13,446.80
Your down payment is the seller’s equity. You take over the $388,803 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $29,644.18 is due at closing. Uses and sources reconcile at $418,446.80 each. Not a Closing Disclosure.