Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,031Cash toward the purchase price.
Closing costs + prepaids$13,044Not just lender fees.
Before credits & paid funds$32,075The complete starting cash picture.
Estimated remaining funds due at closing
$32,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,031.37
Your down payment$19,031.37
Closing costs + prepaids$13,043.79
Total buyer cash needed$32,075.16
Remaining funds due$32,075.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$350.25
Initial HOA (3 months)$198.00
Prepaid interest, first (31 days)$2,070.54
Fees + prepaids$13,043.79
Your down payment is the seller’s equity. You take over the $400,969 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $32,075.16 is due at closing. Uses and sources reconcile at $433,043.79 each. Not a Closing Disclosure.