Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$13,093Cash toward the purchase price.
Closing costs + prepaids$12,118Not just lender fees.
Before credits & paid funds$25,211The complete starting cash picture.
Estimated remaining funds due at closing
$25,211No 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$12,118.25
Total buyer cash needed$25,211.31
Remaining funds due$25,211.31
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 (18 days)$1,362.75
Fees + prepaids$12,118.25
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. $25,211.31 is due at closing. Uses and sources reconcile at $425,118.25 each. Not a Closing Disclosure.