Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$14,603Cash toward the purchase price.
Closing costs + prepaids$13,841Not just lender fees.
Before credits & paid funds$28,444The complete starting cash picture.
Estimated remaining funds due at closing
$28,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,603.04
Your down payment$14,603.04
Closing costs + prepaids$13,841.30
Total buyer cash needed$28,444.34
Remaining funds due$28,444.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,129.99
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)$1,270.25
Initial HOA (3 months)$309.00
Prepaid interest, first (26 days)$1,907.06
Fees + prepaids$13,841.30
Your down payment is the seller’s equity. You take over the $398,396 balance, so the rest of the $412,999 price is paid at closing. A second mortgage can cover part of it. $28,444.34 is due at closing. Uses and sources reconcile at $426,840.30 each. Not a Closing Disclosure.