Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$26,429Cash toward the purchase price.
Closing costs + prepaids$13,036Not just lender fees.
Before credits & paid funds$39,464The complete starting cash picture.
Estimated remaining funds due at closing
$39,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,428.73
Your down payment$26,428.73
Closing costs + prepaids$13,035.74
Total buyer cash needed$39,464.48
Remaining funds due$39,464.48
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)$402.75
Initial HOA (3 months)$375.00
Prepaid interest, first (29 days)$2,033.09
Fees + prepaids$13,035.74
Your down payment is the seller’s equity. You take over the $373,561 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $39,464.48 is due at closing. Uses and sources reconcile at $413,025.74 each. Not a Closing Disclosure.