Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$5,855Cash toward the purchase price.
Closing costs + prepaids$12,478Not just lender fees.
Before credits & paid funds$18,333The complete starting cash picture.
Estimated remaining funds due at closing
$18,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,854.67
Your down payment$5,854.67
Closing costs + prepaids$12,478.34
Total buyer cash needed$18,333.01
Remaining funds due$18,333.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,969.00
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)$8.75
Initial HOA (3 months)$465.00
Prepaid interest, first (26 days)$1,810.59
Fees + prepaids$12,478.34
Your down payment is the seller’s equity. You take over the $391,045 balance, so the rest of the $396,900 price is paid at closing. A second mortgage can cover part of it. $18,333.01 is due at closing. Uses and sources reconcile at $409,378.34 each. Not a Closing Disclosure.