Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$14,321Cash toward the purchase price.
Closing costs + prepaids$12,878Not just lender fees.
Before credits & paid funds$27,199The complete starting cash picture.
Estimated remaining funds due at closing
$27,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,321.12
Your down payment$14,321.12
Closing costs + prepaids$12,877.81
Total buyer cash needed$27,198.94
Remaining funds due$27,198.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,919.99
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)$930.50
Initial HOA (3 months)$330.00
Prepaid interest, first (27 days)$1,472.32
Fees + prepaids$12,877.81
Your down payment is the seller’s equity. You take over the $377,678 balance, so the rest of the $391,999 price is paid at closing. A second mortgage can cover part of it. $27,198.94 is due at closing. Uses and sources reconcile at $404,876.81 each. Not a Closing Disclosure.