Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,450Cash toward the purchase price.
Closing costs + prepaids$12,867Not just lender fees.
Before credits & paid funds$25,317The complete starting cash picture.
Estimated remaining funds due at closing
$25,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,449.87
Your down payment$12,449.87
Closing costs + prepaids$12,866.67
Total buyer cash needed$25,316.54
Remaining funds due$25,316.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$486.75
Initial HOA (3 months)$258.00
Prepaid interest, first (27 days)$1,946.92
Fees + prepaids$12,866.67
Your down payment is the seller’s equity. You take over the $382,550 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $25,316.54 is due at closing. Uses and sources reconcile at $407,866.67 each. Not a Closing Disclosure.