Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$13,124Cash toward the purchase price.
Closing costs + prepaids$11,830Not just lender fees.
Before credits & paid funds$24,954The complete starting cash picture.
Estimated remaining funds due at closing
$24,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,124.17
Your down payment$13,124.17
Closing costs + prepaids$11,829.73
Total buyer cash needed$24,953.89
Remaining funds due$24,953.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,037.55
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$162.51
Prepaid interest, first (25 days)$1,404.67
Fees + prepaids$11,829.73
Your down payment is the seller’s equity. You take over the $390,631 balance, so the rest of the $403,755 price is paid at closing. A second mortgage can cover part of it. $24,953.89 is due at closing. Uses and sources reconcile at $415,584.73 each. Not a Closing Disclosure.