Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$26,059Cash toward the purchase price.
Closing costs + prepaids$12,736Not just lender fees.
Before credits & paid funds$38,795The complete starting cash picture.
Estimated remaining funds due at closing
$38,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,058.87
Your down payment$26,058.87
Closing costs + prepaids$12,735.81
Total buyer cash needed$38,794.69
Remaining funds due$38,794.69
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)$295.00
Initial HOA (3 months)$201.24
Prepaid interest, first (26 days)$1,864.57
Fees + prepaids$12,735.81
Your down payment is the seller’s equity. You take over the $388,941 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $38,794.69 is due at closing. Uses and sources reconcile at $427,735.81 each. Not a Closing Disclosure.