Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$14,720Cash toward the purchase price.
Closing costs + prepaids$12,843Not just lender fees.
Before credits & paid funds$27,563The complete starting cash picture.
Estimated remaining funds due at closing
$27,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,720.19
Your down payment$14,720.19
Closing costs + prepaids$12,842.57
Total buyer cash needed$27,562.77
Remaining funds due$27,562.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$620.25
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$1,782.32
Fees + prepaids$12,842.57
Your down payment is the seller’s equity. You take over the $384,280 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $27,562.77 is due at closing. Uses and sources reconcile at $411,842.57 each. Not a Closing Disclosure.