Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,303Cash toward the purchase price.
Closing costs + prepaids$13,442Not just lender fees.
Before credits & paid funds$26,744The complete starting cash picture.
Estimated remaining funds due at closing
$26,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,302.84
Your down payment$13,302.84
Closing costs + prepaids$13,441.64
Total buyer cash needed$26,744.48
Remaining funds due$26,744.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$906.50
Initial HOA (3 months)$195.00
Prepaid interest, first (26 days)$1,865.15
Fees + prepaids$13,441.64
Your down payment is the seller’s equity. You take over the $411,696 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $26,744.48 is due at closing. Uses and sources reconcile at $438,440.64 each. Not a Closing Disclosure.