Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$11,393Cash toward the purchase price.
Closing costs + prepaids$13,181Not just lender fees.
Before credits & paid funds$24,574The complete starting cash picture.
Estimated remaining funds due at closing
$24,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,393.41
Your down payment$11,393.41
Closing costs + prepaids$13,180.56
Total buyer cash needed$24,573.98
Remaining funds due$24,573.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,195.20
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$798.00
Prepaid interest, first (27 days)$1,962.36
Fees + prepaids$13,180.56
Your down payment is the seller’s equity. You take over the $408,127 balance, so the rest of the $419,520 price is paid at closing. A second mortgage can cover part of it. $24,573.98 is due at closing. Uses and sources reconcile at $432,700.56 each. Not a Closing Disclosure.