Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,333Cash toward the purchase price.
Closing costs + prepaids$11,540Not just lender fees.
Before credits & paid funds$28,873The complete starting cash picture.
Estimated remaining funds due at closing
$28,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,333.15
Your down payment$17,333.15
Closing costs + prepaids$11,540.14
Total buyer cash needed$28,873.29
Remaining funds due$28,873.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,221.95
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)$80.50
Initial HOA (3 months)$882.00
Prepaid interest, first (2 days)$130.69
Fees + prepaids$11,540.14
Your down payment is the seller’s equity. You take over the $404,862 balance, so the rest of the $422,195 price is paid at closing. A second mortgage can cover part of it. $28,873.29 is due at closing. Uses and sources reconcile at $433,735.14 each. Not a Closing Disclosure.