Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$28,965Cash toward the purchase price.
Closing costs + prepaids$11,907Not just lender fees.
Before credits & paid funds$40,871The complete starting cash picture.
Estimated remaining funds due at closing
$40,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,964.55
Your down payment$28,964.55
Closing costs + prepaids$11,906.71
Total buyer cash needed$40,871.26
Remaining funds due$40,871.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,010.00
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)$335.75
Initial HOA (3 months)$270.00
Prepaid interest, first (21 days)$1,065.96
Fees + prepaids$11,906.71
Your down payment is the seller’s equity. You take over the $372,035 balance, so the rest of the $401,000 price is paid at closing. A second mortgage can cover part of it. $40,871.26 is due at closing. Uses and sources reconcile at $412,906.71 each. Not a Closing Disclosure.