Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,832Cash toward the purchase price.
Closing costs + prepaids$10,992Not just lender fees.
Before credits & paid funds$23,824The complete starting cash picture.
Estimated remaining funds due at closing
$23,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,832.04
Your down payment$12,832.04
Closing costs + prepaids$10,991.76
Total buyer cash needed$23,823.79
Remaining funds due$23,823.79
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)$350.25
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$71.51
Fees + prepaids$10,991.76
Your down payment is the seller’s equity. You take over the $402,168 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $23,823.79 is due at closing. Uses and sources reconcile at $425,991.76 each. Not a Closing Disclosure.