Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$26,786Cash toward the purchase price.
Closing costs + prepaids$13,033Not just lender fees.
Before credits & paid funds$39,819The complete starting cash picture.
Estimated remaining funds due at closing
$39,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,786.28
Your down payment$26,786.28
Closing costs + prepaids$13,033.01
Total buyer cash needed$39,819.29
Remaining funds due$39,819.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$549.50
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$1,958.51
Fees + prepaids$13,033.01
Your down payment is the seller’s equity. You take over the $388,214 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $39,819.29 is due at closing. Uses and sources reconcile at $428,033.01 each. Not a Closing Disclosure.