Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$7,406Cash toward the purchase price.
Closing costs + prepaids$12,376Not just lender fees.
Before credits & paid funds$19,782The complete starting cash picture.
Estimated remaining funds due at closing
$19,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,406.14
Your down payment$7,406.14
Closing costs + prepaids$12,375.60
Total buyer cash needed$19,781.75
Remaining funds due$19,781.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$930.50
Initial HOA (3 months)$366.00
Prepaid interest, first (22 days)$904.10
Fees + prepaids$12,375.60
Your down payment is the seller’s equity. You take over the $387,594 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $19,781.75 is due at closing. Uses and sources reconcile at $407,375.60 each. Not a Closing Disclosure.