Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,494Cash toward the purchase price.
Closing costs + prepaids$13,339Not just lender fees.
Before credits & paid funds$28,833The complete starting cash picture.
Estimated remaining funds due at closing
$28,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,493.99
Your down payment$15,493.99
Closing costs + prepaids$13,339.35
Total buyer cash needed$28,833.33
Remaining funds due$28,833.33
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)$446.75
Initial HOA (3 months)$363.00
Prepaid interest, first (31 days)$2,154.60
Fees + prepaids$13,339.35
Your down payment is the seller’s equity. You take over the $399,506 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $28,833.33 is due at closing. Uses and sources reconcile at $428,339.35 each. Not a Closing Disclosure.