Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$8,678Cash toward the purchase price.
Closing costs + prepaids$11,131Not just lender fees.
Before credits & paid funds$19,808The complete starting cash picture.
Estimated remaining funds due at closing
$19,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,677.76
Your down payment$8,677.76
Closing costs + prepaids$11,130.59
Total buyer cash needed$19,808.35
Remaining funds due$19,808.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$500.00
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$69.69
Fees + prepaids$11,130.59
Your down payment is the seller’s equity. You take over the $391,312 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $19,808.35 is due at closing. Uses and sources reconcile at $411,120.59 each. Not a Closing Disclosure.