Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$13,093Cash toward the purchase price.
Closing costs + prepaids$11,892Not just lender fees.
Before credits & paid funds$24,985The complete starting cash picture.
Estimated remaining funds due at closing
$24,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,093.05
Your down payment$13,093.05
Closing costs + prepaids$11,891.88
Total buyer cash needed$24,984.93
Remaining funds due$24,984.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,130.00
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)$495.50
Initial HOA (3 months)$360.00
Prepaid interest, first (9 days)$681.38
Fees + prepaids$11,891.88
Your down payment is the seller’s equity. You take over the $399,907 balance, so the rest of the $413,000 price is paid at closing. A second mortgage can cover part of it. $24,984.93 is due at closing. Uses and sources reconcile at $424,891.88 each. Not a Closing Disclosure.