Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$6,383Cash toward the purchase price.
Closing costs + prepaids$13,595Not just lender fees.
Before credits & paid funds$19,979The complete starting cash picture.
Estimated remaining funds due at closing
$19,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,383.25
Your down payment$6,383.25
Closing costs + prepaids$13,595.42
Total buyer cash needed$19,978.67
Remaining funds due$19,978.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,989.00
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)$2,135.25
Initial HOA (3 months)$172.50
Prepaid interest, first (24 days)$1,073.67
Fees + prepaids$13,595.42
Your down payment is the seller’s equity. You take over the $392,517 balance, so the rest of the $398,900 price is paid at closing. A second mortgage can cover part of it. $19,978.67 is due at closing. Uses and sources reconcile at $412,495.42 each. Not a Closing Disclosure.