Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$16,541Cash toward the purchase price.
Closing costs + prepaids$11,804Not just lender fees.
Before credits & paid funds$28,345The complete starting cash picture.
Estimated remaining funds due at closing
$28,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,541.00
Your down payment$16,541.00
Closing costs + prepaids$11,804.39
Total buyer cash needed$28,345.39
Remaining funds due$28,345.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$510.00
Initial HOA (3 months)$237.99
Prepaid interest, first (9 days)$582.40
Fees + prepaids$11,804.39
Your down payment is the seller’s equity. You take over the $408,359 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $28,345.39 is due at closing. Uses and sources reconcile at $436,704.39 each. Not a Closing Disclosure.