Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$9,041Cash toward the purchase price.
Closing costs + prepaids$12,801Not just lender fees.
Before credits & paid funds$21,842The complete starting cash picture.
Estimated remaining funds due at closing
$21,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,040.57
Your down payment$9,040.57
Closing costs + prepaids$12,801.43
Total buyer cash needed$21,841.99
Remaining funds due$21,841.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$500.00
Initial HOA (3 months)$336.00
Prepaid interest, first (25 days)$1,740.53
Fees + prepaids$12,801.43
Your down payment is the seller’s equity. You take over the $390,949 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $21,841.99 is due at closing. Uses and sources reconcile at $412,791.43 each. Not a Closing Disclosure.