Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$27,618Cash toward the purchase price.
Closing costs + prepaids$12,818Not just lender fees.
Before credits & paid funds$40,437The complete starting cash picture.
Estimated remaining funds due at closing
$40,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,618.39
Your down payment$27,618.39
Closing costs + prepaids$12,818.46
Total buyer cash needed$40,436.85
Remaining funds due$40,436.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,180.00
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)$667.50
Initial HOA (3 months)$270.00
Prepaid interest, first (20 days)$1,475.96
Fees + prepaids$12,818.46
Your down payment is the seller’s equity. You take over the $390,382 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $40,436.85 is due at closing. Uses and sources reconcile at $430,818.46 each. Not a Closing Disclosure.