Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$26,798Cash toward the purchase price.
Closing costs + prepaids$13,820Not just lender fees.
Before credits & paid funds$40,618The complete starting cash picture.
Estimated remaining funds due at closing
$40,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,797.83
Your down payment$26,797.83
Closing costs + prepaids$13,820.13
Total buyer cash needed$40,617.96
Remaining funds due$40,617.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$1,725.00
Initial HOA (3 months)$33.00
Prepaid interest, first (24 days)$1,738.13
Fees + prepaids$13,820.13
Your down payment is the seller’s equity. You take over the $383,102 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $40,617.96 is due at closing. Uses and sources reconcile at $423,720.13 each. Not a Closing Disclosure.