Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$2,922Cash toward the purchase price.
Closing costs + prepaids$10,908Not just lender fees.
Before credits & paid funds$13,831The complete starting cash picture.
Estimated remaining funds due at closing
$13,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,922.40
Your down payment$2,922.40
Closing costs + prepaids$10,908.32
Total buyer cash needed$13,830.72
Remaining funds due$13,830.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$21.00
Initial HOA (3 months)$306.00
Prepaid interest, first (2 days)$156.32
Fees + prepaids$10,908.32
Your down payment is the seller’s equity. You take over the $417,078 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $13,830.72 is due at closing. Uses and sources reconcile at $430,908.32 each. Not a Closing Disclosure.