Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$13,116Cash toward the purchase price.
Closing costs + prepaids$13,305Not just lender fees.
Before credits & paid funds$26,421The complete starting cash picture.
Estimated remaining funds due at closing
$26,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,116.01
Your down payment$13,116.01
Closing costs + prepaids$13,305.02
Total buyer cash needed$26,421.04
Remaining funds due$26,421.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,360.00
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)$607.00
Initial HOA (3 months)$396.00
Prepaid interest, first (19 days)$1,717.02
Fees + prepaids$13,305.02
Your down payment is the seller’s equity. You take over the $422,884 balance, so the rest of the $436,000 price is paid at closing. A second mortgage can cover part of it. $26,421.04 is due at closing. Uses and sources reconcile at $449,305.02 each. Not a Closing Disclosure.