Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,417Cash toward the purchase price.
Closing costs + prepaids$13,263Not just lender fees.
Before credits & paid funds$16,681The complete starting cash picture.
Estimated remaining funds due at closing
$16,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,417.36
Your down payment$3,417.36
Closing costs + prepaids$13,263.14
Total buyer cash needed$16,680.50
Remaining funds due$16,680.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,340.00
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)$340.50
Initial HOA (3 months)$456.00
Prepaid interest, first (26 days)$1,901.64
Fees + prepaids$13,263.14
Your down payment is the seller’s equity. You take over the $430,583 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $16,680.50 is due at closing. Uses and sources reconcile at $447,263.14 each. Not a Closing Disclosure.