Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$9,206Cash toward the purchase price.
Closing costs + prepaids$13,871Not just lender fees.
Before credits & paid funds$23,077The complete starting cash picture.
Estimated remaining funds due at closing
$23,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,206.26
Your down payment$9,206.26
Closing costs + prepaids$13,870.94
Total buyer cash needed$23,077.20
Remaining funds due$23,077.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,970.00
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)$1,895.75
Initial HOA (3 months)$129.99
Prepaid interest, first (22 days)$1,650.20
Fees + prepaids$13,870.94
Your down payment is the seller’s equity. You take over the $387,794 balance, so the rest of the $397,000 price is paid at closing. A second mortgage can cover part of it. $23,077.20 is due at closing. Uses and sources reconcile at $410,870.94 each. Not a Closing Disclosure.