Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$14,587Cash toward the purchase price.
Closing costs + prepaids$11,890Not just lender fees.
Before credits & paid funds$26,477The complete starting cash picture.
Estimated remaining funds due at closing
$26,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,587.21
Your down payment$14,587.21
Closing costs + prepaids$11,889.59
Total buyer cash needed$26,476.80
Remaining funds due$26,476.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,942.00
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)$361.75
Initial HOA (3 months)$300.00
Prepaid interest, first (20 days)$1,060.84
Fees + prepaids$11,889.59
Your down payment is the seller’s equity. You take over the $379,613 balance, so the rest of the $394,200 price is paid at closing. A second mortgage can cover part of it. $26,476.80 is due at closing. Uses and sources reconcile at $406,089.59 each. Not a Closing Disclosure.