Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$14,185Cash toward the purchase price.
Closing costs + prepaids$13,353Not just lender fees.
Before credits & paid funds$27,538The complete starting cash picture.
Estimated remaining funds due at closing
$27,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,185.36
Your down payment$14,185.36
Closing costs + prepaids$13,352.79
Total buyer cash needed$27,538.16
Remaining funds due$27,538.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$1,825.25
Initial HOA (3 months)$108.99
Prepaid interest, first (18 days)$1,194.55
Fees + prepaids$13,352.79
Your down payment is the seller’s equity. You take over the $385,715 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $27,538.16 is due at closing. Uses and sources reconcile at $413,252.79 each. Not a Closing Disclosure.