Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,320Cash toward the purchase price.
Closing costs + prepaids$12,240Not just lender fees.
Before credits & paid funds$29,559The complete starting cash picture.
Estimated remaining funds due at closing
$29,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,319.86
Your down payment$17,319.86
Closing costs + prepaids$12,239.59
Total buyer cash needed$29,559.45
Remaining funds due$29,559.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,088.88
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)$1,753.25
Initial HOA (3 months)$33.00
Prepaid interest, first (2 days)$139.46
Fees + prepaids$12,239.59
Your down payment is the seller’s equity. You take over the $391,568 balance, so the rest of the $408,888 price is paid at closing. A second mortgage can cover part of it. $29,559.45 is due at closing. Uses and sources reconcile at $421,127.59 each. Not a Closing Disclosure.