Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$4,760Cash toward the purchase price.
Closing costs + prepaids$13,065Not just lender fees.
Before credits & paid funds$17,824The complete starting cash picture.
Estimated remaining funds due at closing
$17,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,759.82
Your down payment$4,759.82
Closing costs + prepaids$13,064.66
Total buyer cash needed$17,824.48
Remaining funds due$17,824.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,159.00
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)$356.50
Initial HOA (3 months)$249.99
Prepaid interest, first (27 days)$2,074.17
Fees + prepaids$13,064.66
Your down payment is the seller’s equity. You take over the $411,140 balance, so the rest of the $415,900 price is paid at closing. A second mortgage can cover part of it. $17,824.48 is due at closing. Uses and sources reconcile at $428,964.66 each. Not a Closing Disclosure.