Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$6,853Cash toward the purchase price.
Closing costs + prepaids$15,074Not just lender fees.
Before credits & paid funds$21,927The complete starting cash picture.
Estimated remaining funds due at closing
$21,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,852.92
Your down payment$6,852.92
Closing costs + prepaids$15,074.00
Total buyer cash needed$21,926.92
Remaining funds due$21,926.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$2,193.00
Initial HOA (3 months)$477.99
Prepaid interest, first (25 days)$1,978.01
Fees + prepaids$15,074.00
Your down payment is the seller’s equity. You take over the $413,147 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $21,926.92 is due at closing. Uses and sources reconcile at $435,074.00 each. Not a Closing Disclosure.