Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$15,494Cash toward the purchase price.
Closing costs + prepaids$12,992Not just lender fees.
Before credits & paid funds$28,486The complete starting cash picture.
Estimated remaining funds due at closing
$28,486No 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$12,991.83
Total buyer cash needed$28,485.82
Remaining funds due$28,485.82
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 (26 days)$1,807.08
Fees + prepaids$12,991.83
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. $28,485.82 is due at closing. Uses and sources reconcile at $427,991.83 each. Not a Closing Disclosure.