Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$14,080Cash toward the purchase price.
Closing costs + prepaids$10,883Not just lender fees.
Before credits & paid funds$24,963The complete starting cash picture.
Estimated remaining funds due at closing
$24,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,079.96
Your down payment$14,079.96
Closing costs + prepaids$10,882.88
Total buyer cash needed$24,962.83
Remaining funds due$24,962.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,943.00
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)$361.75
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$53.13
Fees + prepaids$10,882.88
Your down payment is the seller’s equity. You take over the $380,220 balance, so the rest of the $394,300 price is paid at closing. A second mortgage can cover part of it. $24,962.83 is due at closing. Uses and sources reconcile at $405,182.88 each. Not a Closing Disclosure.