Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$14,687Cash toward the purchase price.
Closing costs + prepaids$12,262Not just lender fees.
Before credits & paid funds$26,949The complete starting cash picture.
Estimated remaining funds due at closing
$26,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,687.21
Your down payment$14,687.21
Closing costs + prepaids$12,261.88
Total buyer cash needed$26,949.09
Remaining funds due$26,949.09
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 (27 days)$1,432.13
Fees + prepaids$12,261.88
Your down payment is the seller’s equity. You take over the $379,613 balance, so the rest of the $394,300 price is paid at closing. A second mortgage can cover part of it. $26,949.09 is due at closing. Uses and sources reconcile at $406,561.88 each. Not a Closing Disclosure.