Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$18,894Cash toward the purchase price.
Closing costs + prepaids$11,509Not just lender fees.
Before credits & paid funds$30,403The complete starting cash picture.
Estimated remaining funds due at closing
$30,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,894.11
Your down payment$18,894.11
Closing costs + prepaids$11,508.97
Total buyer cash needed$30,403.08
Remaining funds due$30,403.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$480.00
Initial HOA (3 months)$180.00
Prepaid interest, first (9 days)$623.97
Fees + prepaids$11,508.97
Your down payment is the seller’s equity. You take over the $381,106 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $30,403.08 is due at closing. Uses and sources reconcile at $411,508.97 each. Not a Closing Disclosure.