Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$189Cash toward the purchase price.
Closing costs + prepaids$13,520Not just lender fees.
Before credits & paid funds$13,709The complete starting cash picture.
Estimated remaining funds due at closing
$13,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189.19
Your down payment$189.19
Closing costs + prepaids$13,519.90
Total buyer cash needed$13,709.09
Remaining funds due$13,709.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.00
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)$1,891.50
Initial HOA (3 months)$195.00
Prepaid interest, first (18 days)$1,259.40
Fees + prepaids$13,519.90
Your down payment is the seller’s equity. You take over the $394,711 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $13,709.09 is due at closing. Uses and sources reconcile at $408,419.90 each. Not a Closing Disclosure.