Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$12,863Cash toward the purchase price.
Closing costs + prepaids$11,646Not just lender fees.
Before credits & paid funds$24,508The complete starting cash picture.
Estimated remaining funds due at closing
$24,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,862.64
Your down payment$12,862.64
Closing costs + prepaids$11,645.80
Total buyer cash needed$24,508.44
Remaining funds due$24,508.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$480.00
Initial HOA (3 months)$285.00
Prepaid interest, first (9 days)$655.80
Fees + prepaids$11,645.80
Your down payment is the seller’s equity. You take over the $387,137 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $24,508.44 is due at closing. Uses and sources reconcile at $411,645.80 each. Not a Closing Disclosure.