Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$13,093Cash toward the purchase price.
Closing costs + prepaids$12,270Not just lender fees.
Before credits & paid funds$25,363The complete starting cash picture.
Estimated remaining funds due at closing
$25,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,093.05
Your down payment$13,093.05
Closing costs + prepaids$12,269.67
Total buyer cash needed$25,362.72
Remaining funds due$25,362.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,130.00
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)$40.50
Initial HOA (3 months)$360.00
Prepaid interest, first (20 days)$1,514.17
Fees + prepaids$12,269.67
Your down payment is the seller’s equity. You take over the $399,907 balance, so the rest of the $413,000 price is paid at closing. A second mortgage can cover part of it. $25,362.72 is due at closing. Uses and sources reconcile at $425,269.67 each. Not a Closing Disclosure.