Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$2,401Cash toward the purchase price.
Closing costs + prepaids$14,352Not just lender fees.
Before credits & paid funds$16,753The complete starting cash picture.
Estimated remaining funds due at closing
$16,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,400.70
Your down payment$2,400.70
Closing costs + prepaids$14,352.12
Total buyer cash needed$16,752.82
Remaining funds due$16,752.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$1,334.75
Initial HOA (3 months)$609.00
Prepaid interest, first (27 days)$2,093.37
Fees + prepaids$14,352.12
Your down payment is the seller’s equity. You take over the $406,599 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $16,752.82 is due at closing. Uses and sources reconcile at $423,352.12 each. Not a Closing Disclosure.