Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,535Cash toward the purchase price.
Closing costs + prepaids$13,736Not just lender fees.
Before credits & paid funds$27,271The complete starting cash picture.
Estimated remaining funds due at closing
$27,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,534.88
Your down payment$13,534.88
Closing costs + prepaids$13,736.34
Total buyer cash needed$27,271.22
Remaining funds due$27,271.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$1,037.50
Initial HOA (3 months)$465.00
Prepaid interest, first (26 days)$1,858.84
Fees + prepaids$13,736.34
Your down payment is the seller’s equity. You take over the $401,465 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $27,271.22 is due at closing. Uses and sources reconcile at $428,736.34 each. Not a Closing Disclosure.