Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$15,811Cash toward the purchase price.
Closing costs + prepaids$11,299Not just lender fees.
Before credits & paid funds$27,110The complete starting cash picture.
Estimated remaining funds due at closing
$27,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,810.95
Your down payment$15,810.95
Closing costs + prepaids$11,299.40
Total buyer cash needed$27,110.35
Remaining funds due$27,110.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$496.75
Initial HOA (3 months)$456.00
Prepaid interest, first (1 days)$71.65
Fees + prepaids$11,299.40
Your down payment is the seller’s equity. You take over the $389,189 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $27,110.35 is due at closing. Uses and sources reconcile at $416,299.40 each. Not a Closing Disclosure.