Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$12,863Cash toward the purchase price.
Closing costs + prepaids$12,283Not just lender fees.
Before credits & paid funds$25,146The complete starting cash picture.
Estimated remaining funds due at closing
$25,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,862.64
Your down payment$12,862.64
Closing costs + prepaids$12,283.22
Total buyer cash needed$25,145.86
Remaining funds due$25,145.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$388.75
Initial HOA (3 months)$285.00
Prepaid interest, first (19 days)$1,384.47
Fees + prepaids$12,283.22
Your down payment is the seller’s equity. You take over the $387,137 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $25,145.86 is due at closing. Uses and sources reconcile at $412,283.22 each. Not a Closing Disclosure.