Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,913Cash toward the purchase price.
Closing costs + prepaids$12,129Not just lender fees.
Before credits & paid funds$14,041The complete starting cash picture.
Estimated remaining funds due at closing
$14,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,912.76
Your down payment$1,912.76
Closing costs + prepaids$12,128.53
Total buyer cash needed$14,041.29
Remaining funds due$14,041.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$987.50
Prepaid interest, first (26 days)$966.03
Fees + prepaids$12,128.53
Your down payment is the seller’s equity. You take over the $393,087 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $14,041.29 is due at closing. Uses and sources reconcile at $407,128.53 each. Not a Closing Disclosure.