Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,325Cash toward the purchase price.
Closing costs + prepaids$13,706Not just lender fees.
Before credits & paid funds$35,031The complete starting cash picture.
Estimated remaining funds due at closing
$35,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,324.95
Your down payment$21,324.95
Closing costs + prepaids$13,705.63
Total buyer cash needed$35,030.57
Remaining funds due$35,030.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$1,271.50
Initial HOA (3 months)$450.00
Prepaid interest, first (27 days)$1,759.13
Fees + prepaids$13,705.63
Your down payment is the seller’s equity. You take over the $378,675 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $35,030.57 is due at closing. Uses and sources reconcile at $413,705.63 each. Not a Closing Disclosure.