Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,357Cash toward the purchase price.
Closing costs + prepaids$13,100Not just lender fees.
Before credits & paid funds$16,457The complete starting cash picture.
Estimated remaining funds due at closing
$16,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,357.15
Your down payment$3,357.15
Closing costs + prepaids$13,099.59
Total buyer cash needed$16,456.74
Remaining funds due$16,456.74
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)$628.75
Initial HOA (3 months)$396.00
Prepaid interest, first (26 days)$1,899.84
Fees + prepaids$13,099.59
Your down payment is the seller’s equity. You take over the $391,643 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $16,456.74 is due at closing. Uses and sources reconcile at $408,099.59 each. Not a Closing Disclosure.