Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$6,152Cash toward the purchase price.
Closing costs + prepaids$13,084Not just lender fees.
Before credits & paid funds$19,236The complete starting cash picture.
Estimated remaining funds due at closing
$19,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,151.89
Your down payment$6,151.89
Closing costs + prepaids$13,084.32
Total buyer cash needed$19,236.21
Remaining funds due$19,236.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$511.75
Prepaid interest, first (31 days)$2,147.58
Fees + prepaids$13,084.32
Your down payment is the seller’s equity. You take over the $413,847 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $19,236.21 is due at closing. Uses and sources reconcile at $433,083.32 each. Not a Closing Disclosure.