Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$16,761Cash toward the purchase price.
Closing costs + prepaids$12,490Not just lender fees.
Before credits & paid funds$29,252The complete starting cash picture.
Estimated remaining funds due at closing
$29,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,761.36
Your down payment$16,761.36
Closing costs + prepaids$12,490.17
Total buyer cash needed$29,251.54
Remaining funds due$29,251.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,030.00
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)$215.50
Initial HOA (3 months)$24.99
Prepaid interest, first (29 days)$1,994.68
Fees + prepaids$12,490.17
Your down payment is the seller’s equity. You take over the $386,239 balance, so the rest of the $403,000 price is paid at closing. A second mortgage can cover part of it. $29,251.54 is due at closing. Uses and sources reconcile at $415,490.17 each. Not a Closing Disclosure.