Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$4,342Cash toward the purchase price.
Closing costs + prepaids$11,315Not just lender fees.
Before credits & paid funds$15,657The complete starting cash picture.
Estimated remaining funds due at closing
$15,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,342.18
Your down payment$4,342.18
Closing costs + prepaids$11,315.26
Total buyer cash needed$15,657.44
Remaining funds due$15,657.44
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)$614.00
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$101.26
Fees + prepaids$11,315.26
Your down payment is the seller’s equity. You take over the $410,658 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $15,657.44 is due at closing. Uses and sources reconcile at $426,315.26 each. Not a Closing Disclosure.