Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$3,149Cash toward the purchase price.
Closing costs + prepaids$11,280Not just lender fees.
Before credits & paid funds$14,429The complete starting cash picture.
Estimated remaining funds due at closing
$14,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,148.77
Your down payment$3,148.77
Closing costs + prepaids$11,280.16
Total buyer cash needed$14,428.92
Remaining funds due$14,428.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,159.99
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)$533.00
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$47.17
Fees + prepaids$11,280.16
Your down payment is the seller’s equity. You take over the $412,850 balance, so the rest of the $415,999 price is paid at closing. A second mortgage can cover part of it. $14,428.92 is due at closing. Uses and sources reconcile at $427,279.16 each. Not a Closing Disclosure.