Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$7,292Cash toward the purchase price.
Closing costs + prepaids$10,674Not just lender fees.
Before credits & paid funds$17,966The complete starting cash picture.
Estimated remaining funds due at closing
$17,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,291.83
Your down payment$7,291.83
Closing costs + prepaids$10,674.14
Total buyer cash needed$17,965.97
Remaining funds due$17,965.97
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)$233.75
Initial HOA (3 months)$156.00
Prepaid interest, first (1 days)$59.39
Fees + prepaids$10,674.14
Your down payment is the seller’s equity. You take over the $392,708 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $17,965.97 is due at closing. Uses and sources reconcile at $410,674.14 each. Not a Closing Disclosure.