Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$16,775Cash toward the purchase price.
Closing costs + prepaids$12,864Not just lender fees.
Before credits & paid funds$29,638The complete starting cash picture.
Estimated remaining funds due at closing
$29,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,774.50
Your down payment$16,774.50
Closing costs + prepaids$12,863.88
Total buyer cash needed$29,638.39
Remaining funds due$29,638.39
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)$221.75
Initial HOA (3 months)$294.00
Prepaid interest, first (30 days)$2,133.13
Fees + prepaids$12,863.88
Your down payment is the seller’s equity. You take over the $382,225 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $29,638.39 is due at closing. Uses and sources reconcile at $411,863.88 each. Not a Closing Disclosure.