Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$11,910Cash toward the purchase price.
Closing costs + prepaids$14,730Not just lender fees.
Before credits & paid funds$26,640The complete starting cash picture.
Estimated remaining funds due at closing
$26,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,909.99
Your down payment$11,909.99
Closing costs + prepaids$14,729.59
Total buyer cash needed$26,639.58
Remaining funds due$26,639.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,188.88
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)$1,047.25
Initial HOA (3 months)$1,674.00
Prepaid interest, first (22 days)$1,594.46
Fees + prepaids$14,729.59
Your down payment is the seller’s equity. You take over the $406,978 balance, so the rest of the $418,888 price is paid at closing. A second mortgage can cover part of it. $26,639.58 is due at closing. Uses and sources reconcile at $433,617.59 each. Not a Closing Disclosure.